Total Assets
$8.0B
Total balance-sheet footings
FDIC Cert #26342 · Atlanta, Georgia · Est. 1985
RBC Bank, (Georgia) National Association - FDIC Bank Health Profile
A community-scale look at RBC Bank, (Georgia) National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $8.0B
- Total assets
- A
- Health grade · Excellent
- 2.48%
- Return on assets
- 41.1%
- Tier 1 capital
Data updated July 2026
The verdict
RBC Bank, (Georgia) National Association earns a PlainBankData health grade of A (100/100), with well-capitalized at 41.11% Tier 1, profitable at 2.48% ROA, efficient (30% cost ratio).
- #197
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 41.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How RBC Bank, (Georgia) National Association's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
RBC Bank, (Georgia) National Association's composite health score
Tier 1 Capital Ratio (41.11%) 40/40
Return on Assets (ROA) (2.48%) 25/25
Texas Ratio (2.31%) 20/20
Efficiency Ratio (29.58%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$7.1B
Customer-funded liabilities
Net Loans
$3.1B
Outstanding loan book
Net Income
$178M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where RBC Bank, (Georgia) National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. RBC Bank, (Georgia) National Association's score of 100/100 falls in the highlighted band.
RBC Bank, (Georgia) National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). RBC Bank, (Georgia) National Association's $8.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
41.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
41.11%
Texas Ratio
2.31%
Equity Capital
$881M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.48%
Return on Equity (ROE)
22.30%
Efficiency Ratio
29.58%
What the numbers say about RBC Bank, (Georgia) National Association
RBC Bank, (Georgia) National Association is an FDIC-insured institution (Certificate #26342) headquartered in Atlanta, Georgia, established in 1985. It holds $8.0B in total assets - 197th of 4,313 FDIC-insured banks, $7.1B in customer deposits, and $3.1B in net loans. Looking at capital strength, Tier 1 stands at 41.11%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.31%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
RBC Bank, (Georgia) National Association's asset base places it among the largest FDIC-insured institutions in the country, 197th of 4,313 nationally, and 2nd of 129 banks headquartered in Georgia. Only Ameris Bank ($27.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$322M
Interest Income
$56M
Non-Interest Income
$104M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. RBC Bank, (Georgia) National Association reports a Texas Ratio of 2.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) RBC Bank, (Georgia) National Association (FDIC Cert #26342) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
| Thomasville National BankThomasville | $2.1B | A | 2.28% |
Frequently asked questions
What is RBC Bank, (Georgia) National Association's health grade?▼
RBC Bank, (Georgia) National Association receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is RBC Bank, (Georgia) National Association?▼
RBC Bank, (Georgia) National Association holds $8.0B in total assets and $7.1B in deposits, ranking 197th of 4,313 FDIC-insured banks by asset size. It is headquartered in Atlanta, Georgia.
Is my money safe at RBC Bank, (Georgia) National Association?▼
Yes, deposits at RBC Bank, (Georgia) National Association (Certificate #26342) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is RBC Bank, (Georgia) National Association's Tier 1 Capital Ratio?▼
RBC Bank, (Georgia) National Association has a Tier 1 Capital Ratio of 41.11%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for RBC Bank, (Georgia) National Association?▼
RBC Bank, (Georgia) National Association has a Texas Ratio of 2.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is RBC Bank, (Georgia) National Association?▼
RBC Bank, (Georgia) National Association has an Efficiency Ratio of 29.58%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read RBC Bank, (Georgia) National Association's profile as a depositor or analyst.
- RBC Bank, (Georgia) National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare RBC Bank, (Georgia) National Association against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.