BlastPoint's Banking Scorecard

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

884 banks in the $1B-$10B peer group nationally 49 in CA

Royal Business Bank has 1 strength but faces 5 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 9.15% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 14.9% in tier
- Liquidity Strain: Bottom 43.1% in tier
- ROA 0.16% below tier average
- Net Interest Margin 0.49% below tier average
- Delinquency Rate 0.47% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$4.2B +4.6% YoY -0.3% QoQ	+$1.4B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$3.3B +6.1% YoY +0.3% QoQ	+$1.3B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$3.4B +6.8% YoY -0.4% QoQ	+$1.0B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.20% +224.2% YoY +32.2% QoQ	-0.16%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.32% +9.6% YoY +5.2% QoQ	-0.49%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	51.91% -13.5% YoY -6.0% QoQ	-9.15%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	1.36% -30.5% YoY -0.4% QoQ	+0.47%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	96.92% -0.6% YoY +0.7% QoQ	+12.71%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	16.92% -3.6% YoY -0.1% QoQ	-4.37%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	1.17% -27.8% YoY -8.3% QoQ	+0.49%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	21.09% -3.4% YoY +2.6% QoQ	+5.93%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 6.6% in tier
Non-Interest Income / Assets ?	0.10% +72.1% YoY -74.6% QoQ	-0.15%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 Overhang

risk

#27 of 174 • Bottom 14.9% 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: 21.09%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.92%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#145 of 334 • Bottom 43.1% 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: 96.92%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 21.09%

Peer Median: 15.16%

#59 of 884 Top 6.6% in $1B-$10B

145

Total Loans

size

Value: $3.28B

Peer Median: $1.96B

#145 of 884 Top 16.3% in $1B-$10B

166

Total Assets

size

Value: $4.19B

Peer Median: $2.82B

#166 of 884 Top 18.7% in $1B-$10B

177

Total Deposits

size

Value: $3.39B

Peer Median: $2.34B

#177 of 884 Top 19.9% in $1B-$10B

Top Weaknesses (3 metrics)

741

Nonperforming Asset Ratio

credit_quality

Value: 1.17%

Peer Median: 0.67%

#741 of 884 Bottom 16.3% in $1B-$10B

722

Delinquency Rate

credit_quality

Value: 1.36%

Peer Median: 0.89%

#722 of 880 Bottom 18.1% in $1B-$10B

707

Loan-to-Deposit Ratio

liquidity

Value: 96.92%

Peer Median: 84.20%

#707 of 884 Bottom 20.1% in $1B-$10B