TellerScore

Headquartered in Elroy, Wisconsin, Royal Bank is a state-chartered bank with $816.1M in total assets and $723.1M in deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1932.

Royal Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 49th. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (55/100, 10.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.53%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 76.8% · 11.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.37%

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 rose 2 points (77 → 79), mostly because the loan quality component improved by 5 points.

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202476
Q1 202577
Q2 202577
Q3 202579
Q4 202579
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%7.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.24%
Q3 202410.37%
Q4 202410.11%
Q1 202510.24%
Q2 202510.39%
Q3 202510.52%
Q4 202510.54%
Q1 202610.50%
Q2 202610.53%
Noncurrent loans
0.06%0.18%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.29%
Q4 20240.11%
Q1 20250.10%
Q2 20250.20%
Q3 20250.10%
Q4 20250.11%
Q1 20260.10%
Q2 20260.06%
Return on assets
1.19%1.34%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.21%
Q4 20241.22%
Q1 20251.29%
Q2 20251.35%
Q3 20251.43%
Q4 20251.46%
Q1 20261.44%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$816.1M10.53%0.06%1.48%76.8%
Q1 202679$808.6M10.50%0.10%1.44%75.8%
Q4 202579$798.8M10.54%0.11%1.46%76.7%
Q3 202579$775.8M10.52%0.10%1.43%76.6%
Q2 202577$771.6M10.39%0.20%1.35%75.5%
Q1 202577$760.0M10.24%0.10%1.29%74.0%
Q4 202476$766.6M10.11%0.11%1.22%73.3%
Q3 202475$740.4M10.37%0.29%1.21%74.5%
Q2 202475$738.6M10.24%0.17%1.19%73.7%

2,650 peers · $100 million – $1 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 ratio10.53%
42nd
Total risk-based capital16.73%
77th
Problem loans0.06%
77th
Net charge-offs0.01%
47th
Return on assets1.48%
65th
Net interest margin4.18%
64th
Efficiency ratio58.9%
60th
Loans to deposits76.8%
56th
Uninsured deposits11.9%
90th
Loan-loss reserves1.50%
79th
Texas ratio0.4%
80th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New GlarusBank New Glarus, WI56 out of 100, Moderate$823.2M9.5%1.99%vs
DMB Community BankBank Madison, WI69 out of 100, Moderate$835.0M11.0%0.00%vs
Bank of Sun PrairieBank Sun Prairie, WI68 out of 100, Moderate$841.2M10.0%0.07%vs
Hiawatha National BankBank Hager City, WI41 out of 100, Below average$781.3M10.8%5.32%vs
Westbury BankBank Waukesha, WI70 out of 100, Strong$771.9M9.2%0.00%vs
Farmers and Merchants Union BankBank Columbus, WI78 out of 100, Strong$872.1M10.0%0.15%vs

Deposit insurance

Is my money safe at Royal Bank?

Yes. Royal Bank is an FDIC-insured institution (FDIC certificate #13454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.9% of deposits ($86.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.73% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Royal Bank lists 21 offices in 21 cities. Most locations:

  • Adams, WI (1)
  • Avoca, WI (1)
  • Camp Douglas, WI (1)
  • Cassville, WI (1)
  • Cazenovia, WI (1)
  • Cobb, WI (1)
  • Dickeyville, WI (1)
  • Elroy, WI (1)
  • Endeavor, WI (1)
  • Gays Mills, WI (1)
  • Hillsboro, WI (1)
  • Lancaster, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Royal Bank reported 338 home-loan applications under HMDA (LEI 549300YKMWXBZEEA1471): 247 originated ($48,335,000 total), 38 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Royal Bank
Former names
Bank of Elroy; Royal Bank - Elroy
Type
State-chartered bank
FDIC certificate #
13454
RSSD ID
532042
Primary regulator
FDIC
Holding company
Royal Bancshares Inc
Established
April 30, 1932
Headquarters
202 Main St, Elroy, WI 53929
Employees
150

Quick answers

Royal Bank: common questions

Is Royal Bank FDIC insured?

Yes. Royal Bank is an FDIC-insured institution (FDIC certificate #13454). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Royal Bank's TellerScore?

79 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 Royal Bank ever failed?

There is no failure record for FDIC certificate #13454 in the FDIC failed bank list.

How many branches does Royal Bank have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elroy

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of MaustonBank Mauston, WI96 out of 100, Very strong$426.7M14.8%0.19%vs
Oakdale Credit UnionCredit union Oakdale, WI95 out of 100, Very strong$132.4M13.3%0.00%vs
Baraboo State BankBank Baraboo, WI84 out of 100, Strong$569.6M11.7%0.01%vs
Tomah Area Credit UnionCredit union Tomah, WI83 out of 100, Strong$125.9M12.4%0.49%vs
Community First BankBank Boscobel, WI78 out of 100, Strong$634.1M11.0%0.32%vs
Farmers and Merchants Union BankBank Columbus, WI78 out of 100, Strong$872.1M10.0%0.15%vs