Royal Business Bank
Los Angeles, California, Los Angeles County
$4.3B in total assets, the 332nd largest of 4,309 US banks and 28th of 120 headquartered in California.
- FDIC certificate
- 58816
- Established
- 2008
- Owned by
- Rbb Bcorp
- Primary regulator
- FDIC
- Website
- www.royalbusinessbankusa.com
At a glance
Compared with 51 banks headquartered in California 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 | $4.3B | 67% | $2.7B | |
| Loans | $3.3B | 76% | $1.8B | |
| Deposits | $3.5B | 69% | $2.3B | |
| Return on assets | 1.13% | 37% | 1.22% | |
| Net interest margin | 3.33% | 26% | 3.81% | |
| Efficiency ratio | 51.9% | 45% | 54.4% | |
| Equity to assets | 13.55% | 78% | 11.31% | |
| Loans to deposits | 95% | 74% | 89% |
Growth
Total assets grew 1.9% a year over the last 5 years and 11.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2020 | Pacific Global Bank Chicago, IL | $220M |
| Oct 2018 | First American International Bank Brooklyn, NY | $844M |
| Feb 2016 | TomatoBank Alhambra, CA | $472M |
| May 2013 | Los Angeles National Bank Buena Park, CA | $193M |
| Sep 2011 | Ventura County Business Bank Oxnard, CA | $78M |
| Jul 2011 | First Asian Bank Las Vegas, NV | $30M |
Where they operate
24 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Los Angeles County, CA | $2.0B | 0.4% | 26 of 91 |
| Kings County, NY | $315M | 0.5% | 20 of 41 |
| Queens County, NY | $275M | 0.3% | 32 of 52 |
| Cook County, IL | $172M | 0.0% | 68 of 90 |
| Clark County, NV | $168M | 0.2% | 28 of 41 |
| Honolulu County, HI | $126M | 0.3% | 12 of 13 |
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 14 branches since 2016 (10 to 24, +140.0%). 5 opened, 14 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Acquired TomatoBankClosed Buena Park | 4 | 1 | +3 | 13 |
| 2018 | Acquired First American International BankOpened Irvine | 8 | 0 | +8 | 21 |
| 2019 | Opened Flushing | 1 | 0 | +1 | 22 |
| 2020 | Acquired Pacific Global BankOpened Edison, closed 3 in 2 states | 4 | 3 | +1 | 23 |
| 2021 | Closed Chicago | 0 | 1 | −1 | 22 |
| 2022 | Opened Brooklyn and Honolulu | 2 | 0 | +2 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 54% | 13% | |
| Multifamily | 23% | 13% | |
| Commercial real estate | 17% | 48% | |
| Construction and land | 5% | 3% | |
| Business (C&I) | 2% | 16% | |
| Consumer | 0% | 2% | |
| Farmland | 0% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 22% | |
| Other interest-bearing | 34% | 49% | |
| Noninterest-bearing | 20% | 29% |
Brokered deposits are 1.5% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.72% | 0.43% |
| Net charge-offs, annualized | 0.01% | 0.06% |
| Reserves to loans | 1.32% | 1.25% |
| Leverage ratio | 12.54% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Los Angeles County, CA
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-business