Royal Banks Of Missouri (FDIC #19512): Bank Stress & Real-Estate Credit Exposure

Royal Banks Of Missouri (FDIC Cert #19512): bank stress 61/100, elevated, STABLE over 7 days; parent ROYAL BANCSHARES INC.

Royal Banks Of Missouri (#19512) lends in 7 counties across 2 states; Royal Banks Of Missouri (#19512) reaches 142 ZIP codes: Missouri 5 counties, 97 ZIPs; Illinois 2 counties, 45 ZIPs.

Royal Banks Of Missouri (#19512) largest markets: St. Louis County, MO (423 branches, 47 ZIPs) (#19512), Madison County, IL (36 branches, 36 ZIPs) (#19512), St. Louis County, MO (60 branches, 30 ZIPs) (#19512), St. Charles County, MO (30 branches, 15 ZIPs) (#19512), Jersey County, IL (11 branches, 11 ZIPs) (#19512), Marion County, MO (10 branches, 10 ZIPs) (#19512).

Royal Banks Of Missouri (#19512) reports $1.03 billion in total assets; Royal Banks Of Missouri (#19512) equity $127.6 million (12.4% of Royal Banks Of Missouri (#19512) assets); Royal Banks Of Missouri (#19512) domestic deposits $891.6 million; Royal Banks Of Missouri (#19512) net income $5.5 million; Royal Banks Of Missouri (#19512) return on assets 1.05%; Royal Banks Of Missouri (#19512) return on equity 8.76%; Royal Banks Of Missouri (#19512) net interest income $18.9 million; Royal Banks Of Missouri (#19512) call report June 30, 2026.

Royal Banks Of Missouri (#19512) noncurrent real-estate loans: none reported; Royal Banks Of Missouri (#19512) net charge-offs on real estate 0.16%.

Royal Banks Of Missouri (#19512) net interest margin 4.06% against an eight-quarter Royal Banks Of Missouri (#19512) average of 3.55% (Royal Banks Of Missouri (#19512) compression -0.51 points); Royal Banks Of Missouri (#19512) rate-exposure score 40/100, Royal Banks Of Missouri (#19512) fixed-rate trap 40/100; Royal Banks Of Missouri (#19512) risk type credit driven; Royal Banks Of Missouri (#19512) rate regime rates elevated, Royal Banks Of Missouri (#19512) snapshot October 19, 2026.

Royal Banks Of Missouri (#19512) stress score moved from 61.2 on June 22, 2026 to 61.1 on October 19, 2026; Royal Banks Of Missouri (#19512) ranged 61.1 to 61.2 over 116 snapshots.

Royal Banks Of Missouri (#19512) alerts: 6 counties; top Royal Banks Of Missouri (#19512) alert scores: Granite City County, MO 20 (low); Hannibal County, MO 20 (low); Jerseyville County, MO 20 (low); New London County, MO 20 (low); Saint Charles County, MO 20 (low).