Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #19512 · Saint Louis, Missouri · Est. 1965
Royal Banks of Missouri - FDIC Bank Health Profile
A community-scale look at Royal Banks of Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- B
- Health grade · Good
- 0.81%
- Return on assets
- 11.9%
- Tier 1 capital
Data updated July 2026
The verdict
Royal Banks of Missouri earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.93% Tier 1, 0.81% ROA, 66% efficiency ratio.
- #997
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 11.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- 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 Royal Banks of Missouri's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Royal Banks of Missouri's composite health score
Tier 1 Capital Ratio (11.93%) 28/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (0.99%) 20/20
Efficiency Ratio (66.10%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$918M
Customer-funded liabilities
Net Loans
$788M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Royal Banks of Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Royal Banks of Missouri's score of 70/100 falls in the highlighted band.
Royal Banks of Missouri'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). Royal Banks of Missouri's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.93%
Texas Ratio
0.99%
Equity Capital
$124M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
7.03%
Efficiency Ratio
66.10%
What the numbers say about Royal Banks of Missouri
Royal Banks of Missouri is an FDIC-insured institution (Certificate #19512) headquartered in Saint Louis, Missouri, established in 1965. It holds $1.1B in total assets - 997th of 4,313 FDIC-insured banks, $918M in customer deposits, and $788M in net loans. Its capital position: a Tier 1 ratio of 11.93%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.99% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Royal Banks of Missouri sits 33rd of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$55M
Interest Income
$3M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Royal Banks of Missouri reports a Texas Ratio of 0.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Royal Banks of Missouri (FDIC Cert #19512) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Royal Banks of Missouri's health grade?▼
Royal Banks of Missouri receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Royal Banks of Missouri?▼
Royal Banks of Missouri holds $1.1B in total assets and $918M in deposits, ranking 997th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Louis, Missouri.
Is my money safe at Royal Banks of Missouri?▼
Yes, deposits at Royal Banks of Missouri (Certificate #19512) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Royal Banks of Missouri's Tier 1 Capital Ratio?▼
Royal Banks of Missouri has a Tier 1 Capital Ratio of 11.93%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Royal Banks of Missouri?▼
Royal Banks of Missouri has a Texas Ratio of 0.99%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Royal Banks of Missouri?▼
Royal Banks of Missouri has an Efficiency Ratio of 66.10%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Royal Banks of Missouri's profile as a depositor or analyst.
- Royal Banks of Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Royal Banks of Missouri against other Missouri banks before moving funds. Missouri 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.