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Royal Bank

Elroy, WI
IDRSSD: 532042
Total Assets
$775.76M
Latest filing
Total Deposits
$685.95M
Latest filing
Net Interest Margin
4.14%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date04/30/1932
Community BankYes
Ownership TypeNot Mutual
ZIP53929
State and County Number55057
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees150
Domestic Offices21
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.royalbank-usa.com
Data Updated11/14/2025
CERT13454
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$775.76M
Total Deposits$685.95M
Total Liabilities$692.94M
Total Equity Capital$82.82M
Net Income$3.06M
Net Loans and Leases$525.11M
Assets Per Employee ($Millions)$4.88M
Bank Premises and Fixed Assets$11.37M
Cash and Balances due from Depository Institutions$22.73M
Deposits Held in Domestic Offices$685.95M

Key Performance Ratios

Return on Assets (ROA)1.58%
Return on Equity (ROE)14.99%
Net Interest Margin4.14%
Efficiency Ratio54.4%
Tier 1 Risk-Based Capital Ratio15.697%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.09%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.676%
Earning Assets to total Assets94%

Income and Expense

Total Interest Income$9.79M
Total Noninterest Income$1.11M
Total Interest Expense$2.24M
Total Noninterest Expense$4.73M
Net Interest Income$7.54M
Pre-tax Net Operating Income$3.75M
Provision for Credit Losses$175.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$839.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.99M
Total Liabilities and Capital$775.76M

Securities

Securities$191.33M
Available-for-sale debt securities$38.64M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$152.69M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Royal Bank?
$775.76M as of the latest filing.
How much are Royal Bank's total deposits?
$685.95M in total deposits.
Where is Royal Bank located?
Elroy, WI.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
21.
When was it established?
04/30/1932.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$525.11M (latest filing).
What is the total interest income (latest filing)?
$9.79M.