TellerScore

Headquartered in Atlanta, Georgia, RBC Bank, (Georgia) National Association is a national bank with $9.6B in total assets and $8.5B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1985.

RBC Bank, (Georgia) National Association has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 93% of its 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 33rd. Earnings contributes the most (100/100, 2.47%); capital cushion contributes the least (54/100, 10.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.42%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.41%
Earnings100/100
Return on assets (annualized): 2.47%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 51.1% · 5.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.86%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (84 → 82), mostly because the capital cushion component weakened by 14 points.

TellerScore
828485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202482
Q4 202482
Q1 202583
Q2 202584
Q3 202583
Q4 202582
Q1 202682
Q2 202682
Tier 1 leverage ratio
5.00%8.41%11.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.37%
Q3 202410.43%
Q4 202410.83%
Q1 202511.37%
Q2 202511.82%
Q3 202511.35%
Q4 202511.14%
Q1 202610.81%
Q2 202610.42%
Noncurrent loans
0.41%0.55%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.52%
Q4 20240.61%
Q1 20250.67%
Q2 20250.69%
Q3 20250.68%
Q4 20250.66%
Q1 20260.61%
Q2 20260.41%
Return on assets
2.30%2.39%2.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.41%
Q3 20242.30%
Q4 20242.35%
Q1 20252.37%
Q2 20252.44%
Q3 20252.45%
Q4 20252.48%
Q1 20262.30%
Q2 20262.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$9.6B10.42%0.41%2.47%51.1%
Q1 202682$8.8B10.81%0.61%2.30%44.1%
Q4 202582$8.0B11.14%0.66%2.48%44.3%
Q3 202583$7.4B11.35%0.68%2.45%43.6%
Q2 202584$6.9B11.82%0.69%2.44%47.0%
Q1 202583$6.9B11.37%0.67%2.37%47.7%
Q4 202482$6.8B10.83%0.61%2.35%48.3%
Q3 202482$6.7B10.43%0.52%2.30%47.6%
Q2 202485$6.5B11.37%0.49%2.41%48.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.42%
48th
Total risk-based capital49.16%
99th
Problem loans0.41%
59th
Net charge-offs0.34%
12th
Return on assets2.47%
96th
Net interest margin4.04%
71st
Efficiency ratio27.2%
98th
Loans to deposits51.1%
96th
Uninsured deposits5.5%
98th
Loan-loss reserves0.52%
5th
Texas ratio1.9%
71st

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Colony BankBank Fitzgerald, GA64 out of 100, Moderate$3.6B10.0%0.76%vs
Georgia Banking CompanyBank Atlanta, GA64 out of 100, Moderate$3.3B10.8%0.67%vs
Queensborough National Bank & Trust CompanyBank Louisville, GA62 out of 100, Moderate$2.3B8.6%0.59%vs
Thomasville National BankBank Thomasville, GA76 out of 100, Strong$2.2B10.7%0.22%vs

Deposit insurance

Is my money safe at RBC Bank, (Georgia) National Association?

Yes. RBC Bank, (Georgia) National Association is an FDIC-insured institution (FDIC certificate #26342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.5% of deposits ($470.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 49.16% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

RBC Bank, (Georgia) National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 25 consumer complaints about RBC BANK (GEORGIA), NATIONAL ASSOCIATION to the company (25 in the last 12 months). 100.0% received a timely response. That is 2.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Identity & history

Profile

Legal name
RBC Bank, (Georgia) National Association
Former names
First Gulf Bank, National Association; Citizens & Peoples Bank, National Association; Citizens and People's Bank, National Association; First Bank of Baldwin County
Type
National bank
FDIC certificate #
26342
RSSD ID
3783948
Primary regulator
OCC
Holding company
Royal Bank of Canada
Established
August 30, 1985
Headquarters
3550 Lenox Rd Ne, Atlanta, GA 30326
Employees
269

Quick answers

RBC Bank, (Georgia) National Association: common questions

Is RBC Bank, (Georgia) National Association FDIC insured?

Yes. RBC Bank, (Georgia) National Association is an FDIC-insured institution (FDIC certificate #26342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is RBC Bank, (Georgia) National Association's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has RBC Bank, (Georgia) National Association ever failed?

There is no failure record for FDIC certificate #26342 in the FDIC failed bank list.

How many branches does RBC Bank, (Georgia) National Association have?

1 office as of the latest FDIC data.

Nearby

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