Royal Banks of Missouri
University City, Missouri · FDIC Cert #19512
Royal Banks of Missouri is an FDIC-insured bank (Certificate #19512) with $1.0B in total assets and $878M in total deposits as of the Q2 2024 Call Report. Headquartered in University City, Missouri, the bank maintains a Tier 1 capital ratio of 14.43% (Well-Capitalized) and a nonperforming loan ratio of 0.42%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Royal Banks of Missouri (FDIC cert 19512) is a mid-sized bank with $1.0B in total assets and $878M in deposits, based in University City, Missouri. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.43% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.42% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 18.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.06% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Royal Banks of Missouri carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Royal Banks of Missouri
- Total Assets
- $1.0B
- Total Deposits
- $878M
- Tier 1 Capital Ratio
- 14.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.42%
- Liquidity Ratio
- 18.17%
- Return on Assets
- 1.06%
- Headquarters
- University City, Missouri
- FDIC Certificate
- #19512
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Royal Banks of Missouri holds a Tier 1 capital ratio of 14.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Royal Banks of Missouri has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Royal Banks of Missouri shows strong financial health indicators. With $1.0B in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Royal Banks of Missouri Compares
Royal Banks of Missouri’s Health Score of 80 is 13 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 14.43% Tier 1 capital ratio is 0.4 points above the US banking industry average near 14%. The 0.42% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.06% is below the national ROA benchmark of ~1.1%. Among 1017 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Royal Banks of Missouri is 10 points above the portfolio average of 70.
Frequently Asked Questions
Royal Banks of Missouri has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Royal Banks of Missouri's Tier 1 capital ratio of 14.43% and nonperforming loan ratio of 0.42% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Royal Banks of Missouri is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19512). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Royal Banks of Missouri holds $1.0B in total assets and $878M in total deposits. It is headquartered in University City, Missouri (FDIC Certificate #19512).
Royal Banks of Missouri has a Tier 1 capital ratio of 14.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.42%, and the return on assets is 1.06%.
Yes. Royal Banks of Missouri is FDIC-insured (Certificate #19512). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Royal Banks of Missouri's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.