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Royal Business Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58816

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Los Angeles, CA

25 branches across CA · NY · IL · HI · NJ · NV

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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +6.8% year over year ($3.5B on the books).
  • Delinquency rate 0.73%.
  • Return on assets 1.18%.
  • Efficiency ratio 51.90% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.90% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Royal Business Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.83% below tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.2% in tier
  • - Liquidity Overhang: Bottom 25.0% in tier
  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.54% below tier average
Get updates when Royal Business Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $4.3B
+4.5% YoY +1.9% QoQ
+$1.5B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $3.3B
+2.6% YoY -0.5% QoQ
+$1.3B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $3.5B
+6.8% YoY +2.7% QoQ
+$1.2B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.18%
+60.8% YoY -1.7% QoQ
-0.21% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.33%
+8.2% YoY +0.1% QoQ
-0.54% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 51.90%
-7.3% YoY -0.0% QoQ
-7.83% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.73%
-59.0% YoY -46.1% QoQ
-0.13% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 93.90%
-3.9% YoY -3.1% QoQ
+8.86% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 19.52%
+3.7% YoY +15.4% QoQ
-1.75% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 1.03%
-31.5% YoY -12.2% QoQ
+0.35% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 19.68%
-1.4% YoY -6.7% QoQ
+4.84% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 8.2% in tier
Non-Interest Income / Assets ? 0.18%
-37.0% YoY +70.2% QoQ
-0.35% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
26%

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 (CA) National Avg Tier Percentile
Noninterest-Bearing 19.5%
+0.7pp YoY
+2.6pp QoQ
 -1.8pp 21.4% 25.5% 22.2% 48%
Brokered Deposits 1.5%
-2.6pp YoY
-1.2pp QoQ
 -8.0pp 9.5% 11.0% 8.5% 22%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 2.2%
0.0pp YoY
-0.2pp QoQ
 -11.8pp 14.0% 11.8% 12.5% 6%
CRE 44.9%
-0.9pp YoY
+0.1pp QoQ
 -5.1pp 50.0% 67.5% 41.4% 36%
1-4 Family 54.4%
+0.8pp YoY
+0.1pp QoQ
 +27.9pp 26.4% 16.5% 31.3% 92%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 5.3% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 19.7%
-0.3pp YoY
-1.4pp QoQ
 +4.1pp 15.6% 23.7% 19.7% 90%
Leverage Ratio 12.5%
-0.7pp YoY
-0.9pp QoQ
 +1.2pp 11.3% 14.5% 12.6% 81%
Total Capital Ratio 20.9%
-0.3pp YoY
-1.4pp QoQ
 +4.2pp 16.7% 25.1% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 381
+2 (+0.5%) YoY
+4 (+1.1%) QoQ
 +67 313 337 482 76%
Assets per Employee ($) $11.2M
+4.0% YoY
+0.9% QoQ
 +$719K $10.5M $11.3M $8.8M 74%
Branch Count 25
0 YoY
0 QoQ
 +5 20 15 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.7%
-1.1pp YoY
-0.6pp QoQ
 -0.1pp 0.8% 1.4% 1.0% 63%
Allowance Coverage 1.82x
+103.6% YoY
+86.4% QoQ
 -16.89x 18.71x 17.11x 20.23x 45%
Net Charge-off Rate (YTD) 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 8.3%
+3.4pp YoY
+0.1pp QoQ
 -4.3pp 12.6% 8.2% 11.6% 21%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.9% 1.9% 1.7% 86%
Net Income ($, YTD) $24.9M
+68.6% YoY
— QoQ
 +$5.7M $19.2M $28.5M $40.4M 77%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#63 of 361 • Bottom 17.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.90%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#44 of 172 • Bottom 25.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.68%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.90%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

74
Tier 1 Capital Ratio
capital
Value: 19.68%
Peer Median: 14.84%
#74 of 885 Top 8.2% in $1B-$10B
143
Total Loans
size
Value: $3.27B
Peer Median: $1.96B
#143 of 885 Top 16.0% in $1B-$10B
162
Total Assets
size
Value: $4.27B
Peer Median: $2.79B
#162 of 885 Top 18.2% in $1B-$10B
164
Total Deposits
size
Value: $3.48B
Peer Median: $2.32B
#164 of 885 Top 18.4% in $1B-$10B

Top Weaknesses (1 metrics)

698
Nonperforming Asset Ratio
credit_quality
Value: 1.03%
Peer Median: 0.67%
#698 of 885 Bottom 21.2% in $1B-$10B
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