# ROYAL BANKS OF MISSOURI
SAINT LOUIS, MO · FDIC certificate 19512 · asset band $1-10B · 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 | $1.03B | |
| Deposits | $891.6M | |
| Loans and leases | $807.7M | |
| Total equity | $127.6M | |
| Loans / deposits | 90.05% (p60 of band) | 87.10% |
| Liquid assets / assets | 12.52% (p12 of band) | |
| Uninsured deposits / deposits | 25.16% (p30 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.35% (p18 of band) | |
| FHLB advances / assets | 0.35% | |
| Tier 1 leverage | 10.93% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -2.01% (p81 of band) | -7.75% |
| AOCI / equity | -0.29% (p51 of band) | |
| ROA (annualized) | 1.05% (p34 of band) | 1.26% |
| Net interest margin | 4.06% (p72 of band) | 3.70% |
| Efficiency ratio | 63.87% (p65 of band) | |
| Noncurrent loans | 0.16% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p36 of band) | |
| Reserve coverage of noncurrent | 365.98% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 23.97% (p21 of band) | |
| Auto loans | $2.3M (0.28% of loans; DQ 2.02%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 132 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | noncurrent p90 |  |
| 2013-09 | 1 |  | capital falling, noncurrent p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 4 | deposits shrinking |  |
| 2014-09 | 3 |  | charge-offs p90 |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | deposits shrinking |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 5 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2016-09 | 4 | liquid assets <10% | loans exceed deposits, deposits shrinking |
| 2016-12 | 5 | capital falling |  |
| 2017-03 | 4 |  | charge-offs p90 |
| 2017-06 | 3 | charge-offs p90 | noncurrent p90, capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | liquid assets <10% |
| 2018-03 | 4 | loans exceed deposits, liquid assets <10%, deposits shrinking | charge-offs p90 |
| 2018-06 | 3 |  | deposits shrinking |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | deposits shrinking, uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2019-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | loans exceed deposits, liquid assets <10%, assets shrinking | reserve under noncurrent |
| 2019-12 | 1 | reserve under noncurrent | loans exceed deposits, liquid assets <10%, assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling | reserve under noncurrent |
| 2020-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | reserve under noncurrent | capital falling |
| 2022-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-06 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-09 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2022-12 | 3 | deposits shrinking, assets shrinking |  |
| 2023-03 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2025-03 | 0 |  | capital falling, uninsured deposits leaving |
| 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)

- 2026-05-11 [Royal Banks of Missouri unveils 2026 expansion plans, includes Glen Carbon - Illinois Business Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQjRmZDBpNGtDRERJNDVXdExGNkhnQ1NWdlFWMlZuUDk5bmRHbzVTZ1pUMVFPeFpHV1NoZkNuSnNPclVMMmp3VU0xLWpTay1lT2JPbXVfa3BfTzcyejhZbWtlV0gtaUZIN3VxTVhyNlBGa0hLWm51Z3QxNFpkRkM4NzFQZko2bXRFSlVhVkhtUXFpcDhFUTB5di1TWTV5X0dUWUoycTN2SERQRHRodXQ1OQ?oc=5) · Illinois Business Journal
- 2026-05-15 [Royal Banks is opening a new branch in Glen Carbon - theintelligencer.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxObWVUejI2VTB5WktScng0b2Y1Z2IyMDhFd0lNNm5PM3phUXV1WjNMTTViZ0JfQnFtQ1p0VmU4ZmZrZnNYU0diNlZPWG85YWEwNnQxQVd2NXRkcWQxRUx4MjFLWTdaOG5xRHh1eVVmR2Eyd2w3U2t4bTRDMTRYcC1ab0M2c0hCS0ZfNnZNcUdtTnplczBlREtj?oc=5) · theintelligencer.com
- 2026-02-26 [St. Louis Business 500: Q&A with Mitchell Baden, Royal Banks Of Missouri - St. Louis Magazine](https://news.google.com/rss/articles/CBMie0FVX3lxTE5GT09DRVl4Mi1zZ3htRHhJazh4NXdUX3pMRnFpQUE2Y095bnlsS1ViRVl6WWJPbFp2dUE4YTZEWWlweGRLVkVHbllrRExGWEJidmdPT2JmLVgtb0paV0UtWWoyV05ITkkzYk5UaGRnY2xQY2E1el9ZT2xxYw?oc=5) · St. Louis Magazine
- 2025-01-01 [Royal Banks of Missouri: Celebrating 60 years of serving our communities - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNTmc3ckF0WE9oVmtCcS1ocTZHMUR6NmNPWWl3ZmlJdnM5dHd4QWh5X1RBM1NieHJ2N0tZVHZlcXhMVnlvaVhpbktYRkZ1NkJZUjI5azZpWlY5UjdHSndoaHNlVmJYb0VHdDZtalV2UEM0clZpN0RqN2hiNmN1SWNxUHY2TzlZZlFRM1N5cWdSaHZrVk1pem51cVJGeDlqTU0?oc=5) · The Business Journals
- 2025-09-08 [How Royal Banks of Missouri is reinvesting in the community where its story began - St. Louis Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTm9NdmVLVnBpOURvSmlpX1IzZ0ZzeEU1bXk1a0wzSGZMVHU1TWg0c3lTbGp3QUdFYUtuQ0VXVFNoZnB3UUZOcFluLTVBbFlBdDBaREZhUk5hZ0hObGR6dEltdTV5MFE4RmVKcl9lOXhYenp6U1BfQ2RQN0dDeDJQQlJrbExjeFlzY243QXBDMUZsbThJ?oc=5) · St. Louis Magazine
- 2024-08-01 [How Royal Banks of Missouri is investing in St. Louis’ future professionals - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdFBUZFhOVEhOVk1NanJRMzV6bDhzZUgwTEt0WVJySlJSc085YlhGNlhoMmk4UzZDSHZNa2FaZG02MWdDakM1WjEwVXN3aFNiVk1ZOE5qeFRTd2s1eElMa0F0c19uczBVUnB2Ykh1N21LaW9QUDVaQUpVQVlnVjNDT2dKcG5vTjFIZXJEWlI3LWl0RjFPcGUtM0R4M0FVaFMtVlNVNFB6TWd0ZVU?oc=5) · The Business Journals
- 2021-02-22 [Royal Banks of Missouri (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMijAFBVV95cUxQaWtOUDMwN21rNW5YbjBLY1NHdTNQUFBsQ2hzUEs5SmtSZEFhamhJc3B6U2VjaElMWkZ1RjcyVlRjZWwxblA5dmUyM1l5cmVaVDBOX1p2ODQzQkFNQm02b01Mdkx6MUdBbDY1ckhkem9rYWlCU1B3clQxS1R1VzlrMVhpeVdEVHE2Y000bA?oc=5) · SmartAsset
- 2024-06-24 [Google Wallet adds 29 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUXFEN3FDNEFLMzZDNnNxazI3c05PWVl3MVpkb3ZQMEZ6SUdMTnZVWkpTcWJ2N0ZYNXk4SlRDaFFQUGVNMXY4TF9kUy1qMjB6bmtteXVKMmNSWWctczNlUDZxUFE1Szd6M1RRd2JWVnpGMUZIa2hvWm9LeUkwUGtkUXdlMkRqdkJSWUE?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19512 (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/56.json (key "19512", 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