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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 19512 · MO B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2983/4307
  • PHOTO-FINISH Pioneer Bank · IA
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-PAR 0.81% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Pioneer Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Royal Banks of Missouri

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Belle Glade · FL · n…70/100Citizens State Bank · NE · n…70/100Consumers National B… · OH ·…70/100Pioneer Bank · IA · near70/100Royal Banks of Misso… · MO ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Royal Banks of Missouri · July 2026

Call Report read for Royal Banks of Missouri in a high-failure state

Royal Banks of Missouri (FDIC Cert #19512) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,983 of 4,307. Tier 1 capital prints at 11.93%, clearing the 10% well-capitalized line. The Texas Ratio is 0.99%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $1.1B, 997th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Pioneer Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Royal Banks of Missouri

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Royal Banks of Missouri sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Royal Banks of Missouri's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/10070/100
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 Assets

$1.1B

Total balance-sheet footings

Total Deposits

$918M

Customer-funded liabilities

Net Loans

$788M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.53% 11.93% 13.33%
Basel III capital ratios - Royal Banks of Missouri

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Royal Banks of Missouri 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Royal Banks of Missouri

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

What these ratios mean →

Profitability metrics: Royal Banks of Missouri

Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
7.03%
Efficiency Ratio
66.10%

What these mean →

Income & expense at Royal Banks of Missouri

$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.

FDIC Failed Bank List → View Royal Banks of Missouri on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Missouri so the neighborhood is not state containment.

TrailWest Bank $1.1B · MT MountainOne Bank $1.1B · MA InsBank $1.1B · TN The First National Bank and Trust Co.… $1.1B · OK

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.

Royal Banks of Missouri Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%