Banks · Missouri

Royal Banks Of Missouri

Saint Louis, MO · FDIC Certificate #19512 · Chartered 11/0

Total assets

$1.03B

Total deposits

$891.64M

Total equity

$127.61M

Net loans

$802.92M

Branches (offices)

Net income (YTD)

$5.50M

Rank: #1,019 of 4,213 U.S. banks by assets · #36 of 190 in Missouri. Assets changed 0.5% and deposits -0.5% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.05%
Return on equity	8.76%
Net interest margin (YTD)	4.06%
Equity to assets	12.37%
Tier 1 leverage ratio	10.93%
Uninsured deposits (share of deposits)	25.2%
Noncurrent loans (share of loans)	0.16%
Net charge-offs (share of loans)	0.01%
Loans to deposits	90.1%
Real estate loans (share of loans)	85.8%

Loan mix

Category	Amount	Share
Real estate loans	$689.30M	85.8%
Commercial & industrial	$104.81M	13.1%
Consumer / individual	$4.14M	0.5%
Construction & development	$30.59M	3.8%
Agricultural	$2.32M	0.3%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$1.04B	$899.95M	$4.35M	$129.31M
Jun 2023	$1.01B	$868.69M	$4.98M	$133.39M
Jun 2024	$1.02B	$878.49M	$4.39M	$139.75M
Jun 2025	$1.03B	$895.69M	$3.89M	$120.40M
Jun 2026	$1.03B	$891.64M	$5.50M	$127.61M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Missouri	$676.15M	16
Illinois	$215.49M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $891.64M.

Similar-sized banks

First Federal Savings And Loan Association Of Greene Co ($1.03B) · Grand Savings Bank ($1.03B)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.