BlastPoint's Banking Scorecard
Royal Bank
Elroy, WI
21 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits +5.7% year over year ($723.1M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.48%.
- Efficiency ratio 58.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Royal Bank shows strong momentum with 4 strengths and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 5.55% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$816.1M
+5.8% YoY
+0.9% QoQ
|
+$429.5M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Top 7.2% in tier |
| Total Loans ? |
$555.4M
+7.5% YoY
+2.2% QoQ
|
+$297.0M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Top 7.7% in tier |
| Total Deposits ? |
$723.1M
+5.7% YoY
+0.9% QoQ
|
+$396.3M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Top 5.2% in tier |
| Return on Assets ? |
1.48%
+10.0% YoY
+2.8% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.18%
+6.9% YoY
+1.3% QoQ
|
+0.19% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
58.93%
-1.1% YoY
-2.2% QoQ
|
-5.55% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.06%
-69.2% YoY
-38.5% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
76.81%
+1.7% YoY
+1.3% QoQ
|
-1.14% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
27.55%
-1.0% YoY
-0.2% QoQ
|
+5.52% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.04%
-68.7% YoY
-37.7% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
15.48%
-1.9% YoY
-2.3% QoQ
|
-0.43% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.28%
-2.3% YoY
+106.4% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.5%
-0.3pp YoY -0.1pp QoQ |
+5.4pp | 22.1% | 18.9% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
-0.2pp YoY -0.3pp QoQ |
-4.8pp | 11.6% | 10.5% | 12.5% | 31% |
| CRE |
24.4%
+0.7pp YoY 0.0pp QoQ |
-15.1pp | 39.5% | 46.4% | 41.4% | 26% |
| 1-4 Family |
30.2%
+0.5pp YoY +0.3pp QoQ |
-2.5pp | 32.6% | 32.3% | 31.3% | 52% |
| Consumer |
2.4%
-0.5pp YoY -0.2pp QoQ |
-1.7pp | 4.1% | 2.6% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.5%
-0.3pp YoY -0.3pp QoQ |
-3.3pp | 18.8% | 15.5% | 19.7% | 54% |
| Leverage Ratio |
10.5%
+0.1pp YoY 0.0pp QoQ |
-1.6pp | 12.2% | 12.6% | 12.6% | 42% |
| Total Capital Ratio |
16.7%
-0.3pp YoY -0.4pp QoQ |
-3.2pp | 19.9% | 16.6% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
150
0 YoY -4 (-2.6%) QoQ |
+91 | 58 | 134 | 482 | 98% |
| Assets per Employee ($) |
$5.4M
+5.8% YoY +3.6% QoQ |
-$2.1M | $7.5M | $8.2M | $8.8M | 22% |
| Branch Count |
21
0 YoY 0 QoQ |
+16 | 4 | 9 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 9% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 13% |
| Allowance Coverage |
24.01x
+226.2% YoY +61.7% QoQ |
-0.14x | 24.15x | 56.89x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
+1.0pp YoY +0.4pp QoQ |
+1.8pp | 12.2% | 11.8% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 20% |
| Net Income ($, YTD) |
$6.0M
+16.0% YoY — QoQ |
+$3.4M | $2.6M | $7.9M | $40.4M | 92% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.