Royal Bank
Elroy, Wisconsin, Juneau County
$816M in total assets, the 1,260th largest of 4,309 US banks and 39th of 155 headquartered in Wisconsin.
- FDIC certificate
- 13454
- Established
- 1932
- Owned by
- Royal Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.royalbank-usa.com
At a glance
Compared with 109 banks headquartered in Wisconsin with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $816M | 94% | $344M | |
| Loans | $564M | 93% | $241M | |
| Deposits | $723M | 97% | $287M | |
| Return on assets | 1.53% | 72% | 1.24% | |
| Net interest margin | 4.18% | 78% | 3.85% | |
| Efficiency ratio | 58.9% | 43% | 60.7% | |
| Equity to assets | 10.61% | 52% | 10.38% | |
| Loans to deposits | 78% | 27% | 86% |
Growth
Total assets grew 4.2% a year over the last 5 years and 8.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2017 | State Bank of Cazenovia Cazenovia, WI | $35M |
| Feb 2011 | Badger State Bank Cassville, WI | $84M |
| Jul 1998 | Royal Bank Cobb, WI, an affiliate under the same holding company | $15M |
| Jul 1998 | Royal Bank Gays Mills, WI, an affiliate under the same holding company | $13M |
| Apr 1992 | Royal Bank-Lone Rock Lone Rock, WI, an affiliate under the same holding company | $11M |
Where they operate
21 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Juneau County, WI | $205M | 34.7% | 2 of 4 |
| Grant County, WI | $103M | 6.6% | 6 of 10 |
| Iowa County, WI | $84M | 13.3% | 2 of 6 |
| Crawford County, WI | $70M | 13.4% | 2 of 4 |
| Vernon County, WI | $67M | 9.7% | 6 of 7 |
| Richland County, WI | $62M | 21.7% | 3 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (16 to 21, +31.2%). 4 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 16 | |||
| 2016 | Opened Lancaster | 1 | 0 | +1 | 17 |
| 2017 | Acquired State Bank of Cazenovia | 2 | 0 | +2 | 19 |
| 2021 | Opened Prairie Du Chien and Richland Center | 2 | 0 | +2 | 21 |
| 2024 | Opened Prairie Du ChienClosed Prairie Du Chien | 1 | 1 | 0 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 30% | 32% | |
| Farmland | 26% | 8% | |
| Commercial real estate | 22% | 29% | |
| Agricultural | 7% | 2% | |
| Business (C&I) | 7% | 10% | |
| Consumer | 2% | 2% | |
| Construction and land | 2% | 7% | |
| Multifamily | 0% | 8% | |
| Other | 3% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 48% | |
| Time deposits | 29% | 34% | |
| Noninterest-bearing | 28% | 19% |
Brokered deposits are 0.0% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.06% | 0.23% |
| Net charge-offs, annualized | 0.01% | 0.00% |
| Reserves to loans | 1.50% | 1.14% |
| Leverage ratio | 10.53% | 10.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Juneau County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/royal