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Royal Business Bank
Los Angeles, CA · FDIC Certificate #58816 · Chartered 11/1
Total assets
$4.27B
Total deposits
$3.48B
Total equity
$578.19M
Net loans
$3.27B
Branches (offices)
24
Net income (YTD)
$24.93M
Rank: #323 of 4,213 U.S. banks by assets · #27 of 115 in California. Assets changed 4.5% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 8.32% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 13.55% |
| Tier 1 leverage ratio | 12.54% |
| Uninsured deposits (share of deposits) | 50.7% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 99.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.24B | 99.3% | |
| Commercial & industrial | $72.00M | 2.2% | |
| Consumer / individual | $3.36M | 0.1% | |
| Construction & development | $153.85M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.96B | $3.08B | $34.06M | $590.98M |
| Jun 2023 | $4.07B | $3.26B | $25.91M | $602.21M |
| Jun 2024 | $3.86B | $3.06B | $18.01M | $607.43M |
| Jun 2025 | $4.08B | $3.26B | $14.78M | $577.88M |
| Jun 2026 | $4.27B | $3.48B | $24.93M | $578.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $2.25B | 12 |
| New York | $700.73M | 7 |
| Illinois | $172.21M | 2 |
| Nevada | $167.90M | 1 |
| Hawaii | $126.29M | 1 |
| New Jersey | $57.68M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.48B.
Similar-sized banks
The First Bank And Trust Company ($4.28B) · Inwood National Bank ($4.26B)
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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