# ROYAL BANK
ELROY, WI · FDIC certificate 13454 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $816.1M | |
| Deposits | $723.1M | |
| Loans and leases | $563.8M | |
| Total equity | $86.6M | |
| Loans / deposits | 76.81% (p38 of band) | 82.04% |
| Liquid assets / assets | 27.43% (p57 of band) | |
| Uninsured deposits / deposits | 11.91% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.53% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -13.12% (p36 of band) | -8.10% |
| AOCI / equity | -0.50% (p42 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 4.18% (p66 of band) | 3.91% |
| Efficiency ratio | 58.93% (p43 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 2400.85% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 14.11% (p18 of band) | |
| Auto loans | $8.6M (1.53% of loans; DQ 0.82%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 150 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | deposits shrinking | reserve under noncurrent |
| 2014-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [Digital Safety and Scams: How to Protect Yourself Online - Royal Bank](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPSHV4UzYwMW9ob3o3dzVKTlNlUmNraUk0RGN3THhpTlBSNGdoUmM1a1NzbFg3Mm05ckZsdXMyQjZ4UzNZQVV0RjV5SktMTDQyeWxvR2I3Tk9aYzg5RVJoRjh4WlBjcHpYbHhOdzg2RG9CVXVCSkNQbFo5Vmkyb0FlZFF6bnh5UURyY3gtdlVBNjhyX0lmSU5iZUlvemZCUnNDb2lJUmNLVFNzQThiR1dDbHhlZ0lHT1hjcDNlSkh2RnEzNVBIbmc3b1Z2aWlJYm12dlRTTFcxTG9jZVJpYU0zaHo0RXVYUWRSeGFIaEtWbWpQVGRKSVFhQlJB?oc=5) · Royal Bank
- 2026-08-13 [Unlimit Mobile Ties Up with ICICI Bank Canada, RBC Royal Bank to Add Mobile Connectivity Benefits to Student GIC Journey - Sangri Today](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPMnZmOGxYT0lTUGZLNTBOYXBaYUJZd1R4WkI1cHV1MUxVdDlvazRzZ2lLY2w1QlZhWXRkV1pYaVk1YjJ6VTAtT1hBT0xZMVFDVERqblpZRkFuOXVFUW9va2IwZVVfaU1LVm5pSDRCT1NWTUxaak14RERLYjBPUTBMTEx2V3JTQkRZTHh1N3BKLWhQS3haWTRGRTFGUWMzZ1RtUm1pZTVwMElfYktMU195TWdORzJ4VDh5S29iamRIRlRKbFhIT1VraTEyci13OGxpcjQ2VjhYUDN3LVhsMGJ6RG1PNzBpdjhReEJ0UWFva1VEMVZ6SE1RcWpR0gH_AUFVX3lxTE5NU0JsbWV5TS1kajRpbHR1NkZpdmxSSGh1T2txaXRkeDlKaTNQN19UOTlYclpKcUV0TWY4dm85aWE0b3VtOWNiel9rT3dHWHRsc2lXSkRBVy1kbnZfY2E5YnBPa2RlamFoeGtraTRDZGRHTTZvS1RldDAwcFlpTWwxRURGSjNYWXNFWG1UbXY2NmhDck5wZ1hHa0RCeVQ5MDg4UnVNVWs5d05sV1NPcEVJRnBpOTBQcGFsRlIxUHNKQUFEdmt0Ul9xS1BlX3lIa2hYQWNXR3BXaVZyV203WUl1TkZTNXdaMDN4anQ1SjNpQmZSOVRJazNTN0FPamZQTQ?oc=5) · Sangri Today
- 2026-03-30 [Tax Tips: How Taxpayers can Protect their Data this Season - Royal Bank](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPa09aMXRXVzZycDdtTXRuT0pua251bF9QSGp5TkpNWHBmV2kwOExfVUNPVGliN1dXcktWZ3V6MVlZZnhFTG5ZaFdLQWR3WHNLSm42endQbFZQc1RNVXR1ZVpON09kNng2RHB1LUltcHNXbDN0cmZFNmZhR25FOXQ4ejZBeGR2elZrb01DVEJwN3hYMDZsbEZBeEhVYmZjNHh5ZmNzVzRvWTItSG5WVGQ5YktMTjJZNVd4VDBQaGJ4WDZINGxaVGY5LXJKVmZ3SUp2WmJocGtGdXhWdndCTW5DSUZON2hzeEJpeHZ6Q2hfRlJ5bjJuQ2JWR1Z0SlQ?oc=5) · Royal Bank
- 2026-07-06 [Bank branch closures: is your local bank closing? - which.co.uk](https://news.google.com/rss/articles/CBMiugFBVV95cUxOblEyUzcwY0tHUHlxMVQ1MlhfdTdEM1NHMXptMUxhRjhJMDl1b1UxMmJiV2NnbkgyZ0ZFVWpyUnJWSnFqUFN3OFZYWlIwRUs1cWpPMHdqLW9NREV6cnhsRlRXTHVuN0EtWmNsUEJNUDZ6ZGhfNm1mSS1rMU9uWDJPN1Z2WFFwSS15WFhGd0JnT2RGeEdaTkp1bDREazBLU3pKeXVfNUJ6UXF5QklJd0tFUG9pTXJtWnlObnc?oc=5) · which.co.uk
- 2025-12-31 [TD vs. Royal Bank: Which Stock Offers Investors More for 2026? - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMie0FVX3lxTE1UX2FZMUtuOUJaRE1HU3BWR0xsQi0xU29IbmhjTFh0ZldWdm54ZkRzdzI2OF9VOVB6UGJWdUtEUFVlQ0k4WTJXbVZhZ2tQQTdBSlNfcnBWR0tkT3Z3c2QwSFFUckd6TThnVWoyRnVZbGZFYUJ6bkJudEkzZw?oc=5) · Yahoo! Finance Canada
- 2018-01-10 [Rick Busch retires as Royal Bank president - swnews4u.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1DM1o1eTlzS0F1ZVRtbmcwQTBVdnQxNDdHc0lHV3pfY2l6dzFFWGJWZi1USFROWEtRNGtOY21IalJqdklHN20yeHJ6enRlU2MxQnlWd2VlUkdvZFdLemd2VGlobFFnY202Zk5ZLUZhZWVvVy1XcEVEbnFaMVQzMlE?oc=5) · swnews4u.com
- 2021-09-29 [Royal Bank of Canada accused of “greenwashing” over pipeline company loan - Global Trade Review (GTR)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPck5aaExzd0pTN0lWYlZ2TGFRYVF1blBidXp1NTBRZUdXX1dKUmU1bnotV29iV3JCdU1waHBMaGhUdFRKQWhtMDRUcEFSamNnQ2pITzVhdllWc0o4ODBEX3pQT0pPT3VwX3FBOFVKUGhwYl9lTnlfVFkyZ0dfTW9BMlpKSkdYZ0JaRndReDBTMS1fbFpGdlQ5dS1ManJaQVVPUEgwdm9hdVpiTFV1R19QZmRBdU9LUVlu?oc=5) · Global Trade Review (GTR)
- 2017-08-23 [Royal Bank of Canada Accelerates Cost Cuts to Pay for Digital Push - WSJ](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTzZmbFJUNnlQWGJISDZObFBqV2psdmNMY3dQcTg4Z2U4ZnRwNy13ZWdkNXFoUlRZR0dKZFd3MjZjWENkRHRpeS1nOUprUG04SFNlS0tzREhPZ0lkUTBDc1h6czRiV3BQY2Nmdk1FWHRrWEZ2Qjl0TkN0TThzZmg5U1VPeC05Q2ZLYlI2TnBWZWk1RnNRSXV3QmtVZlc2VlhYYzNqalZaa3lqNGxhSGc?oc=5) · WSJ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13454 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "13454", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide