Royal Bank
Elroy, WI
IDRSSD: 532042
Total Assets
$798.76M
Latest filing
Total Deposits
$708.27M
Latest filing
Net Interest Margin
4.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Royal Bank
202 Main St
Elroy, WI 53929
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/30/1932FDIC Certificate 8470
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Royal Bank (Main) | 202 Main St | Elroy, WI |
| AVOCA BRANCH | 102 N 4th St | Avoca, WI |
| SPRING GREEN BRANCH | 152 S Worcester St | Spring Green, WI |
| ENDEAVOR BRANCH | 551 S Church St | Endeavor, WI |
| OXFORD BRANCH | 107 East Ormsby Street | Oxford, WI |
| CAMP DOUGLAS BRANCH | 129 Main St | Camp Douglas, WI |
| LA VALLE BRANCH | 210 W Main St | La Valle, WI |
| RICHLAND CENTER BRANCH | 101 E Court St | Richland Center, WI |
Showing 7 of 20
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/30/1932 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53929 |
| State and County Number | 55057 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 159 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.royalbank-usa.com |
| Data Updated | 01/30/2026 |
| CERT | 13454 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $798.76M |
| Total Deposits | $708.27M |
| Total Liabilities | $714.23M |
| Total Equity Capital | $84.53M |
| Net Income | $3.09M |
| Net Loans and Leases | $542.90M |
| Assets Per Employee ($Millions) | $5.4M |
| Bank Premises and Fixed Assets | $11.48M |
| Cash and Balances due from Depository Institutions | $26.15M |
| Deposits Held in Domestic Offices | $708.27M |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 14.76% |
| Net Interest Margin | 4.27% |
| Efficiency Ratio | 55.04% |
| Tier 1 Risk-Based Capital Ratio | 15.599% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.583% |
| Earning Assets to total Assets | 93.98% |
Income and Expense
| Total Interest Income | $10.08M |
| Total Noninterest Income | $1.19M |
| Total Interest Expense | $2.19M |
| Total Noninterest Expense | $5.02M |
| Net Interest Income | $7.89M |
| Pre-tax Net Operating Income | $3.76M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.23M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.96M |
| Total Liabilities and Capital | $798.76M |
Securities
| Securities | $193.53M |
| Available-for-sale debt securities | $39.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $153.87M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Royal Bank?
$798.76M as of the latest filing.
How much are Royal Bank's total deposits?
$708.27M in total deposits.
Where is Royal Bank located?
Elroy, WI.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
21.
When was it established?
04/30/1932.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$542.90M (latest filing).
What is the total interest income (latest filing)?
$10.08M.