# RBC BANK USA
RALEIGH, NC · FDIC certificate 33184 · asset band $10-100B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $27.17B | |
| Deposits | $21.25B | |
| Loans and leases | $17.31B | |
| Total equity | $3.66B | |
| Loans / deposits | 78.47% (p37 of band) | 85.27% |
| Liquid assets / assets | 27.79% (p62 of band) | |
| Uninsured deposits / deposits | 31.07% (p77 of band) | 18.70% |
| Brokered deposits | 0.11% | |
| Wholesale funding | 5.25% (p24 of band) | |
| FHLB advances / assets | 3.14% | |
| Tier 1 leverage | 9.79% (p53 of band) | 9.72% |
| Unrealized securities loss / equity | 0.34% (p24 of band) | 2.64% |
| AOCI / equity | 3.45% (p93 of band) | |
| ROA (annualized) | -1.62% (p2 of band) | 0.90% |
| Net interest margin | 2.80% (p23 of band) | 3.64% |
| Efficiency ratio | 94.14% (p97 of band) | |
| Noncurrent loans | 6.74% (p91 of band) | 2.26% |
| Net charge-offs (annualized) | 1.49% (p87 of band) | |
| Reserve coverage of noncurrent | 54.07% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 50.04% (p97 of band) | |
| Auto loans | $60.4M (0.35% of loans; DQ 1.03%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p24 of band) | |
| Deposits YoY | – | |
| Employees | 4764 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 5 | noncurrent p90 |  |

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

- 2026-08-08 [RBC Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBtc2JwbGNvRDNwc0NlOWFUSTZZNlNVVGkwZEY5UXRISUJQTlRrVm1mX3g2LWlMQkYzZ3d2SncyT1Rqdm1tSFd6enVoYWFHSkowdFFUdk1memxJNzFPbWpwV0doTFZualk?oc=5) · reveliolabs.com
- 2022-04-01 [A decade of growth in North Carolina - Business North Carolina](https://news.google.com/rss/articles/CBMibEFVX3lxTFBPbWt0MEdtblI0UXVSc09XNHpEQzctbVJ0OWlqOUdrbDBaX1hrMW5IV0p3VUFMNzREMFJSallEMXNsbDFpYlVzNWxGWXNOUUxoalY0QkVYajFfaEdwaTJVZmh5T2Y0NVA4ZjZhdg?oc=5) · Business North Carolina
- 2016-12-08 [PNC buying RBC Bank: $3.45B deal to include 424 retail branches in Southeast, with a few in Charleston, state - Post and Courier](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPY0dpTWVzSWQwbFgydUdNSmJYeENrRjd6a2hnVm4xU19XVHNhUV9YQzl2Q1Jab01BYzFHRW1EOW5QYXpqWDdoV1RXc2pYWEc2OG1ucGlhQVBKbnFYR1ozNlBJWTV5WjRPRml6bVNBZVNXV1dsdEotd2lQQ1RwNW5VcnRxcWh5dnQ0QXhRbXljRE1KYWFZOWR4OVVNQUN2WjVSX3BTNEpwX3ZZWFFkcl96dE9CRV9WQlBFQXVGOTFWZ1NUUGwyOG5QMURPMWRwYWZqR3dkQ1F5OXp1dF95eVZ1LTVoVWloSURHa3V3MWN3RFVtYzdvaW9TeC1PaUp1UQ?oc=5) · Post and Courier
- 2020-12-09 [Poole College Advisory Board Spotlight: Brian V. Ciaverella - NC State Poole College of Management](https://news.google.com/rss/articles/CBMingFBVV95cUxOTzdZaXdJSnZnMUZsUGF4MG55c0ZZS21YOGZ3UWFrUUVseFJ4eEFjYmhyeEVLRi12TzVpUmo0bjdoYUZJMy1Cc0NBMS1xb3gwN3ZqVV9BWV9raGhMYnNlM2hZVUFkR0lBMWtKSDBORy1nT014T2pFLUVNZ21KbVc2cjc2cnh0dG9xOHY1X3lNaHp2NjJpMVp0SjQyV1BoQQ?oc=5) · NC State Poole College of Management
- 2019-03-25 [Royal Bank of Canada CEO eyes digital banking opportunities in N.C. - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVlRJZjJ1dk5icmJGQ1hQOE55R2FDZkEyaFdtWGN2WEx6OUEwb293cTUwUVQxdFJKaFJlOGg0RTZkUXVtRzBUY1lJMzZVblZ1ZmdyMDZyMldvZmVWSWxhX1dyaUZ3WW45S19XbE1TLVRWZjRfWWZ4V3FrcG1DbzVIX0JycE9FcXZ2ZjRpa3hqMjZEckswYVI3R3JJbHViQzFwQjhjVU9n?oc=5) · The Business Journals
- 2024-09-09 [Canes, PNC Bank Announce New Collaboration | Carolina Hurricanes - nhl.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQN2EzVWVIWDFvNVd1MHlKMFUxZjhhYlVWSW5Td2lneUZoZDRFTl9mX0VZdjMzczdrMTVSNVZWYVV3ak9BczktTk10UEFDS2JEUWd3VkdhejlySGxSeW14Y3R3OGZPQU9KdGhZbTY0c1FtSVNuTFVjR2ZMY3FtSUtlR1NNcw?oc=5) · nhl.com
- 2018-11-26 [Former Live Oak President Resigns, Involved In Community Bank Startup - wilmingtonbiz.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNXzYwQ1ZyVnphZHV6UktrNWRYZ3F4YVBodG1Vbnd2TFNRMURGc0NBWkNYa0dpTU1mUzJNSEZTdkZ0RWdQMGdRLXBPZlpNYlduc1B4NWpPMjVxZXVrWU12UVBQQlE2V2F2WmRrZWNabnZDQm5kQklucUJvQXRlODJhdVVaLXh0dUgwU1I0Q1R1bWVBTm9XZlVyVkVQU2t3eEwtczBIT0xaNDVPVlBrNFlXQ2ROX2dsMzhMdU42d2hoY1Mzd0I0MUh0RWU4OEM5LTZf?oc=5) · wilmingtonbiz.com
- 2011-12-15 [Bank buyout brings new name to Raleigh arena - WRAL](https://news.google.com/rss/articles/CBMiT0FVX3lxTE5MYWh6VGw1aUktMEoxaDBQV0FzUjlkcmM0OGhnMjV1R1RrMmczR0swZG5iUFpoSXcxV3FyN2U3YUdsM1VNeUtXeTVkRkJRT3M?oc=5) · WRAL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33184 (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/32.json (key "33184", 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