Royal Business Bank (FDIC certificate #58816) is based in Los Angeles, California. Its Q2 2026 call report shows $4.3B in total assets and $3.5B in deposits and 25 offices across 6 states.
Based on its Q2 2026 filing, Royal Business Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 66th. Its strongest component is problem-loan coverage (86/100; 7.0%), and its lowest is funding & liquidity (27/100; 94% loans-to-deposits, 51% uninsured).
TellerScore · Q2 2026
Scorecard
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 11 points (57 → 68), mostly because the loan quality component improved by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 60 |
| Q4 2024 | 53 |
| Q1 2025 | 56 |
| Q2 2025 | 57 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 65 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.61% |
| Q3 2024 | 14.19% |
| Q4 2024 | 13.96% |
| Q1 2025 | 14.27% |
| Q2 2025 | 13.20% |
| Q3 2025 | 13.03% |
| Q4 2025 | 13.20% |
| Q1 2026 | 13.46% |
| Q2 2026 | 12.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.97% |
| Q4 2024 | 2.65% |
| Q1 2025 | 1.93% |
| Q2 2025 | 1.76% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.34% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $4.3B | 12.54% | 0.72% | 1.18% | 93.9% |
| Q1 2026 | 65 | $4.2B | 13.46% | 1.34% | 1.20% | 96.9% |
| Q4 2025 | 62 | $4.2B | 13.20% | 1.35% | 0.91% | 96.3% |
| Q3 2025 | 62 | $4.2B | 13.03% | 1.38% | 0.85% | 95.2% |
| Q2 2025 | 57 | $4.1B | 13.20% | 1.76% | 0.73% | 97.7% |
| Q1 2025 | 56 | $4.0B | 14.27% | 1.93% | 0.37% | 97.5% |
| Q4 2024 | 53 | $4.0B | 13.96% | 2.65% | 0.81% | 96.8% |
| Q3 2024 | 60 | $4.0B | 14.19% | 1.97% | 0.89% | 97.5% |
| Q2 2024 | 63 | $3.9B | 14.61% | 1.79% | 0.92% | 98.4% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Business BankBank Los Angeles, CA | 69 out of 100, Moderate | $4.4B | 11.0% | 0.44% | vs |
| California Bank of Commerce, National AssociationBank San Diego, CA | 75 out of 100, Strong | $4.0B | 12.8% | 0.29% | vs |
| Commercial Bank of CaliforniaBank Irvine, CA | 64 out of 100, Moderate | $4.0B | 9.3% | 0.37% | vs |
| Bank of MarinBank Novato, CA | 67 out of 100, Moderate | $3.9B | 9.2% | 0.40% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
Deposit insurance
Is my money safe at Royal Business Bank?
Yes. Royal Business Bank is an FDIC-insured institution (FDIC certificate #58816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.7% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.93% (benchmark: 10%).
25 locations
Branches
Royal Business Bank lists 24 offices in 19 cities across 6 states. Most locations:
- Brooklyn, NY (3)
- Chicago, IL (2)
- Flushing, NY (2)
- Los Angeles, CA (2)
- Arcadia, CA (1)
- Cerritos, CA (1)
- Diamond Bar, CA (1)
- Edison, NJ (1)
- Elmhurst, NY (1)
- Honolulu, HI (1)
- Irvine, CA (1)
- Las Vegas, NV (1)
HMDA 2025
Mortgage lending
In 2025, Royal Business Bank reported 849 home-loan applications under HMDA (LEI 5493003B20KZ3DEZGB43): 653 originated ($579,595,000 total), 57 denied, and 128 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, 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 Business Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58816
- RSSD ID
- 3835454
- Primary regulator
- FDIC
- Holding company
- Rbb Bcorp
- Established
- November 18, 2008
- Headquarters
- 1055 Wilshire Blvd, Los Angeles, CA 90017
- Website
- www.royalbusinessbankusa.com
- Employees
- 381
Quick answers
Royal Business Bank: common questions
Is Royal Business Bank FDIC insured?
Yes. Royal Business Bank is an FDIC-insured institution (FDIC certificate #58816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Royal Business Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Royal Business Bank ever failed?
There is no failure record for FDIC certificate #58816 in the FDIC failed bank list.
How many branches does Royal Business Bank have?
25 offices as of the latest FDIC data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Los Angeles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |