TellerScore

Royal Banks of Missouri (FDIC certificate #19512) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $1.0B in total assets and $891.6M in deposits and 19 offices across 2 states.

Based on its Q2 2026 filing, Royal Banks of Missouri scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 104th. Its strongest component is loan quality (95/100; 0.16%), and its lowest is funding & liquidity (59/100; 90% loans-to-deposits, 25% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.93%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 90.1% · 25.2% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.37%

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 7 points (63 → 70), mostly because the loan quality component improved by 15 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202466
Q1 202561
Q2 202563
Q3 202567
Q4 202568
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%8.60%12.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.20%
Q3 202411.83%
Q4 20249.77%
Q1 20259.93%
Q2 202510.22%
Q3 202510.23%
Q4 202510.51%
Q1 202610.48%
Q2 202610.93%
Noncurrent loans
0.13%0.36%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20240.21%
Q4 20240.14%
Q1 20250.59%
Q2 20250.59%
Q3 20250.13%
Q4 20250.16%
Q1 20260.19%
Q2 20260.16%
Return on assets
0.64%0.85%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.72%
Q4 20240.78%
Q1 20250.64%
Q2 20250.75%
Q3 20250.76%
Q4 20250.81%
Q1 20261.05%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.0B10.93%0.16%1.05%90.1%
Q1 202669$1.1B10.48%0.19%1.05%84.8%
Q4 202568$1.1B10.51%0.16%0.81%85.8%
Q3 202567$1.0B10.23%0.13%0.76%84.2%
Q2 202563$1.0B10.22%0.59%0.75%83.3%
Q1 202561$1.0B9.93%0.59%0.64%81.3%
Q4 202466$1.0B9.77%0.14%0.78%82.2%
Q3 202470$1.0B11.83%0.21%0.72%86.3%
Q2 202471$1.0B12.20%0.42%0.85%84.0%

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 ratio10.93%
59th
Total risk-based capital12.60%
37th
Problem loans0.16%
80th
Net charge-offs0.01%
64th
Return on assets1.05%
34th
Net interest margin4.06%
72nd
Efficiency ratio63.9%
35th
Loans to deposits90.1%
40th
Uninsured deposits25.2%
70th
Loan-loss reserves0.60%
6th
Texas ratio12.4%
11th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Parkside Financial Bank & TrustBank Clayton, MO77 out of 100, Strong$1.1B13.0%0.00%vs
Triad BankBank Frontenac, MO68 out of 100, Moderate$1.1B10.7%0.21%vs
St. Louis BankBank Saint Louis, MO38 out of 100, Low$1.1B8.8%2.87%vs
Bank of WashingtonBank Washington, MO44 out of 100, Below average$1.1B12.5%3.50%vs
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs

Deposit insurance

Is my money safe at Royal Banks of Missouri?

Yes. Royal Banks of Missouri is an FDIC-insured institution (FDIC certificate #19512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.2% of deposits ($224.4M) 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 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.60% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Royal Banks of Missouri lists 16 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Royal Banks of Missouri
Former names
Citizens Bank of University City; Royal Bank Mid-County
Type
State-chartered bank
FDIC certificate #
19512
RSSD ID
501459
Primary regulator
FDIC
Holding company
Royal Bancshares Inc
Established
November 8, 1965
Headquarters
8550 Olive Blvd, Saint Louis, MO 63132
Employees
132

Quick answers

Royal Banks of Missouri: common questions

Is Royal Banks of Missouri FDIC insured?

Yes. Royal Banks of Missouri is an FDIC-insured institution (FDIC certificate #19512). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Royal Banks of Missouri's TellerScore?

70 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 Banks of Missouri ever failed?

There is no failure record for FDIC certificate #19512 in the FDIC failed bank list.

How many branches does Royal Banks of Missouri have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

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