Royal Bank (FDIC #13454): Bank Stress & Real-Estate Credit Exposure
Royal Bank (FDIC Cert #13454): bank stress 59/100, moderate, STABLE over 7 days; parent ROYAL BANCSHARES INC.
Royal Bank (#13454) lends in 9 counties across 1 state; Royal Bank (#13454) reaches 112 ZIP codes: Wisconsin 9 counties, 112 ZIPs.
Royal Bank (#13454) largest markets: Grant County, WI (72 branches, 24 ZIPs) (#13454), Sauk County, WI (38 branches, 19 ZIPs) (#13454), Iowa County, WI (38 branches, 19 ZIPs) (#13454), Vernon County, WI (36 branches, 18 ZIPs) (#13454), Juneau County, WI (60 branches, 15 ZIPs) (#13454), Richland County, WI (45 branches, 15 ZIPs) (#13454).
Royal Bank (#13454) reports $816.1 million in total assets; Royal Bank (#13454) equity $86.6 million (10.6% of Royal Bank (#13454) assets); Royal Bank (#13454) domestic deposits $723.1 million; Royal Bank (#13454) net income $6.0 million; Royal Bank (#13454) return on assets 1.48%; Royal Bank (#13454) return on equity 14.03%; Royal Bank (#13454) net interest income $15.9 million; Royal Bank (#13454) call report June 30, 2026.
Royal Bank (#13454) noncurrent real-estate loans: none reported; Royal Bank (#13454) net charge-offs on real estate 0.07%; Royal Bank (#13454) residential charge-offs 0.07%.
Royal Bank (#13454) net interest margin 4.18% against an eight-quarter Royal Bank (#13454) average of 3.91% (Royal Bank (#13454) compression -0.27 points); Royal Bank (#13454) non-residential real estate 6.6% of equity; Royal Bank (#13454) rate-exposure score 40/100, Royal Bank (#13454) fixed-rate trap 40/100; Royal Bank (#13454) risk type credit driven; Royal Bank (#13454) rate regime rates elevated, Royal Bank (#13454) snapshot October 20, 2026.
Royal Bank (#13454) stress score moved from 58.3 on June 22, 2026 to 58.7 on October 20, 2026; Royal Bank (#13454) ranged 58.3 to 58.7 over 117 snapshots.
Royal Bank (#13454) alerts: 9 counties; top Royal Bank (#13454) alert scores: Adams County, WI 35 (low); Cobb County, WI 21 (low); Lancaster County, WI 21 (low); New Lisbon County, WI 21 (low); Oxford County, WI 21 (low).