Royal Banks of Missouri
Saint Louis, Missouri, St. Louis County
$1.0B in total assets, the 1,041st largest of 4,309 US banks and 36th of 195 headquartered in Missouri.
- FDIC certificate
- 19512
- Established
- 1965
- Owned by
- Royal Bancshares Inc
- Primary regulator
- FDIC
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $1.8B | |
| Loans | $808M | 3% | $1.4B | |
| Deposits | $892M | 3% | $1.5B | |
| Return on assets | 0.97% | 14% | 1.32% | |
| Net interest margin | 4.06% | 59% | 3.86% | |
| Efficiency ratio | 63.9% | 72% | 56.1% | |
| Equity to assets | 12.37% | 72% | 10.96% | |
| Loans to deposits | 91% | 28% | 94% |
Growth
Total assets grew 2.6% a year over the last 5 years and 9.8% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2021 | Saints Avenue Bank New London, MO, an affiliate under the same holding company | $127M |
| Jul 2016 | Frontenac Bank Earth City, MO | $268M |
| Oct 1987 | Royal Bank-West Side National Association Glendale, MO, an affiliate under the same holding company | $35M |
Where they operate
18 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Louis County, MO | $376M | 0.8% | 24 of 55 |
| St. Charles County, MO | $171M | 1.7% | 16 of 35 |
| Madison County, IL | $130M | 1.9% | 11 of 23 |
| Jersey County, IL | $85M | 13.1% | 3 of 6 |
| St. Louis City County, MO | $64M | 0.1% | 18 of 26 |
| Ralls County, MO | $51M | 27.1% | 2 of 2 |
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 11 branches since 2016 (7 to 18, +157.1%). 4 opened, 8 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Acquired Frontenac Bank | 4 | 0 | +4 | 11 |
| 2019 | Opened Saint LouisClosed Saint Louis | 1 | 1 | 0 | 11 |
| 2021 | Acquired Saints Avenue BankOpened Granite City and Jerseyville | 6 | 0 | +6 | 17 |
| 2022 | Opened Ballwin | 1 | 0 | +1 | 18 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 54% | 30% | |
| 1-4 family residential | 19% | 20% | |
| Business (C&I) | 13% | 18% | |
| Multifamily | 7% | 7% | |
| Construction and land | 4% | 11% | |
| Farmland | 1% | 6% | |
| Consumer | 1% | 4% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 48% | |
| Time deposits | 30% | 34% | |
| Noninterest-bearing | 22% | 19% |
Brokered deposits are 0.0% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.16% | 0.67% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 0.60% | 1.30% |
| Leverage ratio | 10.93% | 10.76% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Louis County, MO
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-missouri