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Royal Bank
Elroy, WI · FDIC Certificate #13454 · Chartered 04/3
Total assets
$816.09M
Total deposits
$723.05M
Total equity
$86.60M
Net loans
$555.36M
Branches (offices)
21
Net income (YTD)
$6.00M
Rank: #1,233 of 4,213 U.S. banks by assets · #39 of 153 in Wisconsin. Assets changed 5.8% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 14.03% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 10.61% |
| Tier 1 leverage ratio | 10.53% |
| Uninsured deposits (share of deposits) | 11.9% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 76.8% |
| Real estate loans (share of loans) | 81.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $452.43M | 81.5% | |
| Commercial & industrial | $37.31M | 6.7% | |
| Consumer / individual | $13.31M | 2.4% | |
| Construction & development | $12.22M | 2.2% | |
| Agricultural | $41.08M | 7.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $726.59M | $645.59M | $3.83M | $71.77M |
| Jun 2023 | $717.01M | $636.62M | $4.01M | $75.37M |
| Jun 2024 | $738.63M | $655.58M | $4.36M | $76.60M |
| Jun 2025 | $771.58M | $683.78M | $5.17M | $80.77M |
| Jun 2026 | $816.09M | $723.05M | $6.00M | $86.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $723.05M | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $723.05M.
Similar-sized banks
Rollstone Bank & Trust ($816.33M) · Cumberland Valley National Bank & Trust Company ($816.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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