# ROYAL BUSINESS BANK
LOS ANGELES, CA · FDIC certificate 58816 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $4.27B | |
| Deposits | $3.48B | |
| Loans and leases | $3.31B | |
| Total equity | $578.2M | |
| Loans / deposits | 93.90% (p71 of band) | 87.10% |
| Liquid assets / assets | 16.28% (p28 of band) | |
| Uninsured deposits / deposits | 50.67% (p91 of band) | 30.76% |
| Brokered deposits | 1.18% | |
| Wholesale funding | 4.93% (p46 of band) | |
| FHLB advances / assets | 3.75% | |
| Tier 1 leverage | 12.54% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | -3.63% (p71 of band) | -7.75% |
| AOCI / equity | -0.22% (p55 of band) | |
| ROA (annualized) | 1.18% (p44 of band) | 1.26% |
| Net interest margin | 3.33% (p27 of band) | 3.70% |
| Efficiency ratio | 51.90% (p28 of band) | |
| Noncurrent loans | 0.72% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 182.24% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 26.61% (p26 of band) | |
| Auto loans | $464,000 (0.01% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $3.5M (1% of equity) (p74 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 381 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | liquid assets <10% |  |
| 2014-12 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | liquid assets <10% |  |
| 2015-12 | 0 |  | capital falling, liquid assets <10% |
| 2016-03 | 1 | liquid assets <10% |  |
| 2016-06 | 4 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2016-09 | 2 |  | loans exceed deposits, capital falling |
| 2016-12 | 3 | loans exceed deposits |  |
| 2017-03 | 0 |  | liquid assets <10%, uninsured deposits leaving, loans exceed deposits |
| 2017-06 | 1 | liquid assets <10% |  |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2018-09 | 4 | capital falling | liquid assets <10% |
| 2018-12 | 3 | liquid assets <10% | uninsured deposits >50%, run vulnerability |
| 2019-03 | 3 | wholesale funding >15% | liquid assets <10% |
| 2019-06 | 2 | liquid assets <10% | capital falling, wholesale funding >15% |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | assets shrinking |  |
| 2020-03 | 1 |  | liquid assets <10%, assets shrinking |
| 2020-06 | 3 | liquid assets <10%, capital falling |  |
| 2020-09 | 1 |  | liquid assets <10%, capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 1 | loans exceed deposits |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 5 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | liquid assets <10%, deposits shrinking, assets shrinking |
| 2023-06 | 2 | capital falling, noncurrent p90 | loans exceed deposits, uninsured deposits leaving |
| 2023-09 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2023-12 | 2 |  | noncurrent p90 |
| 2024-03 | 2 | assets shrinking | wholesale funding >15% |
| 2024-06 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking | brokered >10% |
| 2024-09 | 2 |  | assets shrinking, deposits shrinking |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 | charge-offs p90 | capital falling |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 2 | uninsured deposits >50%, run vulnerability | reserve under noncurrent |

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

- 2026-07-13 [Royal Business Bank Announces New Lending Team and Loan Production Office in Northern California - GlobeNewswire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOSW9FbW02UmxkM3FoMXItdWVhRVcwdDJFR0Y0TkRLOW9sdGVFbEczUGkwc1dCRlY3S2pVUThfam52X2wxWU5pZHpTS2JJdVpOeGpqMEFtNUJQU1F3dGR2YnhvNkx1OE82ODV1anVyQzlFUVU0WWU5di1GV1ZWZ3Y0U1hiVkpXU0xBcm5qVmo0aFFfb1BFcEVqV2RvUjVLeWJCRXlQTnRpajU3aUJoaTRtWEJ5UlRoZ2JLaXFzdWg1VG1fcXU5NmVxb1lPdDhaUmx4QkxscDhSckZqZElxMVp6eTJFdjZCaWFlWUg1X1EzNXBORHVIdDFFY3QwUmU?oc=5) · GlobeNewswire
- 2026-07-17 [The List: Los Angeles-based bank outpaces Hawaii's largest institutions in less than five years - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPX2h6NkxzVVJIRkdKckU5TG9uY2tXcDhZc0F4SVJMak4zODZSN2JaVmdubEV2LVc4cEt2Z0JTZXJpcGliTWNfck1YTUhTTTBvZWwwdzhjRTg5Y3l0cHlZOWF3dkRGeU1aa3lORWRmTVlHWkdmT05CYkV6WHFVbEN3ZTJsbnFoSlVaSGpPa2xBaURPcjRKOU4tSQ?oc=5) · The Business Journals
- 2024-11-08 [Department of Financial Institutions Announces New State Bank – Royal Business Bank will open for business in Los Angeles on November 18 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOV2s1UTllOTJvUE5sWk5kWjZweExnVGJZNmM5N2NiUElSc2NRS2EyTHVpNGdwU3dFaURSb205d1Z0RjNxdmJVcmdpTHJrNlN5OTF5YzhoTVJmQnZ0UzlkVFY1UmFVcENabVNQWkdpSU4zUVFqejA3dkc1RTJCZ2FDdTdFRHdnLWF4Ul9OMVBreWZxb1RVWFlWVGYtQzhMdzZJWDVzWmRYckxZSHRDY3J1OEtVZm90LUszcF9QZHF2TVIzSnhtOV9KWWpPbHZKNXBpVl9qdVlYbFdKVHlFYXJEU0MxTWJXbnJiRlRkSEYxaFVfaFJucFJITnVxX2ZJZw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2026-07-01 [RBB Bancorp to Report Second Quarter 2026 Financial Results - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxOMzlFRlRmOVpSZ1I5TXIzVHNiZlNWRkhzMjZnV1lrRThwT2dCU3V5UXYtV3ZiOE1RTjJPdG5tYnNtUjJ6bmxzbk85bmR1RXAtcEdQLW9qNTZjaS1FUEJJM3BBNVdpblNtQXR1UXFaMDRqSmNEWmtabmh0cFhEenRWZXVUQ01sNWZvRUd0WE9ENnJNRDA1eEFCNG4zZU93ZmJlVXFvbXN6OWNWZWVTTjAtSmtWaEU2T3FkLVFIUkt4enJGNmNSTl9hLW9WVQ?oc=5) · GlobeNewswire
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2023-09-29 [Gateway Bank, F.S.B. and Royal Business Bank Agree to Terminate Merger Agreement - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPbWRMUnFiZ1N1Ujg5Z2pwaC0zdXowNjl6dGZiV2U4YzlHME9VMW00QlJfRzlkTFZobDBNQVlJNWhOU3ozN01LYU80Z1FIWVlPbmhFbGlhOTB3ZjB2Tl83QUlET3RSdi15VDZVTFJ0QWRWdmdZemlSNUtoTTVfZ1JnbDZqcGM3SjNHNkFTd2hYRlctY2VRX0xTQ05ERzUtSW4wZVR0VFNGNU9nTHM4S1A5TU1xMTJINXN3RFlKN2tWVXVRdUw0bng5UjlyM3JXeVM2U1E?oc=5) · Business Wire
- 2025-05-19 [Asian American-Led Bank: Royal Business Bank Review 2025 - businessinsider.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxObzBHamhwTTU2UlhERVRob3RRdVhBTzg1T1paRk5yaEpHVWs3V2lqbWg4SlN3bExibFJQcVdQb2pkSnkzX0ZVYWdpTUIzQ2xpa1FtUU1fLWlkR3ctQXA5a0VQcmdIOEhGaVloeHM4N0pXVG40U2R3Z2tQdHhyZTN0LVdkTS1vd1JhZnRJ?oc=5) · businessinsider.com
- 2025-03-07 [Zaya Younan fights Arlington Heights office foreclosure in bizarre conundrum - The Real Deal](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdjQ2WllNallMYnFVb3lJQ25BSWVqQzAwRmk1NldOSUh6OTNrckJqTWNsT0VWaG1rZnV4VWFwck1rTnduQWw4T01DZHhyMWI1Z3cyaGlRbk9Td1JqX2wzTW0xUHhaT3YtMWV3OHJPYWl5cXQ3MnE5TWdPQWRNNFhmaFA1ZUo3aUZrTkdLOGJVZGJ0TkhkMGh3RDVweEl0ZzlYdl82Z1NB?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58816 (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/0.json (key "58816", 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