Royal Business Bank (FDIC #58816): Bank Stress & Real-Estate Credit Exposure
Royal Business Bank (FDIC Cert #58816): bank stress 54/100, moderate, STABLE over 7 days; parent RBB BCORP.
Royal Business Bank (#58816) lends in 10 counties across 6 states; Royal Business Bank (#58816) reaches 930 ZIP codes: California 3 counties, 418 ZIPs; New York 3 counties, 176 ZIPs; Illinois 1 county, 178 ZIPs; Nevada 1 county, 76 ZIPs; New Jersey 1 county, 44 ZIPs; Hawaii 1 county, 38 ZIPs.
Royal Business Bank (#58816) largest markets: Los Angeles County, CA (2,736 branches, 304 ZIPs) (#58816), Cook County, IL (356 branches, 178 ZIPs) (#58816), Orange County, CA (92 branches, 92 ZIPs) (#58816), Clark County, NV (76 branches, 76 ZIPs) (#58816), New York County, NY (70 branches, 70 ZIPs) (#58816), Queens County, NY (204 branches, 68 ZIPs) (#58816).
Royal Business Bank (#58816) reports $4.27 billion in total assets; Royal Business Bank (#58816) equity $578.1 million (13.5% of Royal Business Bank (#58816) assets); Royal Business Bank (#58816) domestic deposits $3.48 billion; Royal Business Bank (#58816) net income $24.9 million; Royal Business Bank (#58816) return on assets 1.18%; Royal Business Bank (#58816) return on equity 8.32%; Royal Business Bank (#58816) net interest income $64.6 million; Royal Business Bank (#58816) call report June 30, 2026.
Royal Business Bank (#58816) noncurrent real-estate loans: none reported; Royal Business Bank (#58816) residential -0.01%; Royal Business Bank (#58816) net charge-offs on real estate 0.73%; Royal Business Bank (#58816) multifamily charge-offs 0.09%; Royal Business Bank (#58816) residential charge-offs 1.65%.
Royal Business Bank (#58816) net interest margin 3.33% against an eight-quarter Royal Business Bank (#58816) average of 3.10% (Royal Business Bank (#58816) compression -0.22 points); Royal Business Bank (#58816) non-residential real estate 165.5% of equity; Royal Business Bank (#58816) rate-exposure score 40/100, Royal Business Bank (#58816) fixed-rate trap 40/100; Royal Business Bank (#58816) risk type credit driven; Royal Business Bank (#58816) rate regime rates elevated, Royal Business Bank (#58816) snapshot October 19, 2026.
Royal Business Bank (#58816) stress score moved from 48.3 on June 22, 2026 to 54.4 on October 19, 2026; Royal Business Bank (#58816) ranged 48.3 to 54.4 over 116 snapshots.
Royal Business Bank (#58816) alerts: 10 counties; top Royal Business Bank (#58816) alert scores: Brooklyn County, CA 20 (low); Chicago County, CA 20 (low); Edison County, CA 20 (low); Flushing County, CA 20 (low); Honolulu County, CA 20 (low).