# ROYAL BANK AMERICA
NARBERTH, PA · FDIC certificate 18962 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $805.2M | |
| Deposits | $628.6M | |
| Loans and leases | $594.6M | |
| Total equity | $80.4M | |
| Loans / deposits | 92.98% (p70 of band) | 85.45% |
| Liquid assets / assets | 22.11% (p46 of band) | |
| Uninsured deposits / deposits | 12.50% (p16 of band) | 21.11% |
| Brokered deposits | 7.24% | |
| Wholesale funding | 16.56% (p84 of band) | |
| FHLB advances / assets | 4.97% | |
| Tier 1 leverage | 9.83% (p40 of band) | 10.27% |
| Unrealized securities loss / equity | 0.16% (p54 of band) | 0.09% |
| AOCI / equity | 1.17% (p60 of band) | |
| ROA (annualized) | 1.28% (p75 of band) | 0.96% |
| Net interest margin | 3.87% (p64 of band) | 3.65% |
| Efficiency ratio | 63.55% (p38 of band) | |
| Noncurrent loans | 0.85% (p64 of band) | 0.60% |
| Net charge-offs (annualized) | 0.13% (p83 of band) | |
| Reserve coverage of noncurrent | 199.19% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 97.48% (p89 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | expense ratio p90, charge-offs p90 |  |
| 2011-09 | 5 |  | charge-offs p90 |
| 2011-12 | 5 |  |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 8 |  |  |
| 2012-09 | 6 |  | wholesale funding >15%, deposits shrinking |
| 2012-12 | 6 | capital falling | uninsured deposits leaving |
| 2013-03 | 5 | charge-offs p90, deposits shrinking | losing money, noncurrent p90, capital falling |
| 2013-06 | 7 | losing money, noncurrent p90, uninsured deposits leaving | charge-offs p90 |
| 2013-09 | 4 | wholesale funding >15% | reserve under noncurrent, losing money, noncurrent p90, uninsured deposits leaving |
| 2013-12 | 3 |  | wholesale funding >15% |
| 2014-03 | 1 | charge-offs p90 | expense ratio p90, assets shrinking, deposits shrinking |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | wholesale funding >15% |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | capital falling, construction >100% equity |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 1 | wholesale funding >15% | construction >100% equity |

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

- 2014-01-16 [Royal Bank America chairman rings Opening Bell at NASDAQ - Mainline Media News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdTNIUHJybzVkYklDYi1mcnZ1YTBkSE4xeWFLQnVSN05QYUZabVhEQXRNN0ZwYl9kWHY4b2tQWW5rNlFnMU1iTWgwOHpFOUw5MWlmZjJZTWRWWjByUW03SWZRZzlmUzA0U29uNy1xRE9jQTFJOXQyR0d2UklCbnhpYWFEMlYwX2VwMTNOMTZpQTBtUHhEMkltVVhTOURlWUFpb3I4UQ?oc=5) · Mainline Media News
- 2017-12-15 [Bryn Mawr Bank Corporation Completes Merger with Royal Bancshares of Pennsylvania, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOMHpxcDRobFM5Y29aN0diaXpjbHZVd2xLQUJYeDFweUxxR1AwbFNQZkVsOXV6SWstNDg4ZmdQZ2N6RzZZNUpmSHdnYTBUY185Uk9xSG5yMm94VHAzZ2pNMnEwZUtEVWsxQ2dNSE5qbnVwekRHSGpwbl9FWlAyZU9ETEZPR3YxQWJZVlNiMnZmdkpxWDlWOGNrcDRXV2xQcDJnSktZYUtKdWs1N3ZZT3N0NlB4bGFFVUZvRHNoYzA1dUU0Yzc1ZFZhUUU5R2xtTXRxNVRuaktMUU1faWVFZThMbkZydHNqd1gtdVRhMWRn?oc=5) · GlobeNewswire
- 2013-01-25 [Upper Merion Senior Service Center spruced up on MLK Day - timesherald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOc3RPSFpuRkd5SFRFb0lENXljaldpbWhVTzF3ZE9GZWFjSGh1U0tYbk41MXJIWENGYXhsQWRFa0hGMkliMTNpSDVOaFFVb3JQcW5qX3NUaG1EMUFZZHVtX1ZnT1Y1T0dEYUtfUjNqM0FFNkJXZU1mYmxGQlJRUXVicjVxNlVoRm1FY0VmOFpRajY3WjB2NXhjcW5sUm0?oc=5) · timesherald.com
- 2012-08-10 [Raising awareness for crime, drug prevention in Phoenixville - pottsmerc.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOMTlHY2V0UXJuRUtfZWVsU1VpbWNMQ0VVVFJPS01RQ1M3NVhvTVZnTEVYS2I5V09la09saFBISkNqTnRxWjY0SHFaYlBEUGsxZW5tUGcxN2NnaVRURXdBWDFXRjd6S0hDRzdMaVJrREZ0OFRQaWY1S0s5bTJBVl8tRlJFWnA2TlphbGtib20yYjBmOFJOMVBWQmJNbFdoQQ?oc=5) · pottsmerc.com
- 2015-06-21 [Briefs: Tinton Falls surgeon to lead Medical Society - Asbury Park Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxPZFJmbFlIWVN4MXZQT1dKejhPaGZ3ZzA4ek1fTzN3a2ExUG9HTWRGOC1FZmxFbWRsaVJhc213ZkR2d1FwZWdXeU1SeUlzemx6bzlqdmJDcG5aOEo2TXBwZ2ZaUl8zNUhMQmMyZFJSS2JzajhfeC1SYmRiZi1NVXZNYVR5OGVfQkwzbXdtWWlHcDRHNm0yVklQMjFPcWp4ZUhtM0hGRmhQbnlMVGRBWUE?oc=5) · Asbury Park Press
- 2014-10-16 [Fundraiser set for Phoenixville teen struck by Norfolk Southern train - timesherald.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPU0s0X3RUdDJHQjRhbTZZNmRxd0lsUVVSZDNkM1pPanJEQ2llNDlJUWxpdW50TTcwa191Y3JibENjQUhEdFMzOWdITWVnV0VyaUR3YV9ZZnV5V0ZhRWswc0g4c3RWYm1HTk9ZSU9wOVZkVlk4cHBRSTJqaU1NZW9iOWhITEJKcDByMTlTMnp0aXJ5blI1LUl5TUhDRFh5OXd3VkthRjdPb3pibXJEUEE?oc=5) · timesherald.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18962 (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/18.json (key "18962", 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