Royal Banks of Missouri

8021 Olive Boulevard
University City, MO 63130

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19512
Date Established 1965
Assets $0.70 billion
Loans $0.56 billion
Deposits $0.57 billion
Capital $0.11 billion

Royal Banks of Missouri is an FDIC insured institution located in University City, MO. It was founded in 1965 and has approximately $0.7 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of Royal Banks of Missouri's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Royal Banks of Missouri’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, Royal Banks of Missouri has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.37
Multifamily
Mortgages
8.94
Credit Card Loans 0.00
Consumer Auto Loans 1.47
Small Business Loans 9.64
Construction and Development Loans 9.45
Commercial Real Estate 56.34
Commercial and Industrial Loans 11.99
Farm Loans 0.00

Deposit Rates - April 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn MoreShow Less
Money Market
0.75% $10,000 $24,999 Learn MoreShow Less
Money Market
0.85% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $1,000 $100,000 Learn MoreShow Less
6 Mo CD
0.75% $1,000 $100,000 Learn MoreShow Less
12 Mo CD
2.22% $1,000 $100,000 Learn MoreShow Less
Special: 13 Mo CD
2.78% $100,000 - Learn MoreShow Less
Special: 15 Mo CD
1.95% $1,000 - Learn MoreShow Less
18 Mo CD
1.26% $1,000 $100,000 Learn MoreShow Less
2.57% $1,000 $100,000 Learn MoreShow Less
Special: 25 Mo CD
3.00% $100,000 - Learn MoreShow Less
2.83% $1,000 $100,000 Learn MoreShow Less
48 Mo CD
1.91% $1,000 $100,000 Learn MoreShow Less
60 Mo CD
2.22% $1,000 $100,000 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
2.22% $1,000 $100,000 Learn MoreShow Less
Special: 13 Mo FIRA
2.78% $100,000 - Learn MoreShow Less
Special: 15 Mo FIRA
1.95% $1,000 - Learn MoreShow Less
Special: 25 Mo FIRA
3.00% $100,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
Kasasa Checking Account 1.85% $0 $0.00 Learn MoreShow Less

Loan Rates - April 23, 2019

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
2 Year 5.49% 5.00% $1,096.78
3 Year 5.33% 5.00% $749.27
4 Year 5.50% 5.25% $578.57
5 Year 5.71% 5.50% $477.53
6 Year 6.68% 6.50% $420.25

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Royal Banks of Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Royal Banks of Missouri Locations


Financial Details

Royal Banks of Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Royal Banks of Missouri. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Royal Banks of Missouri U.S. Bank Average
5.26% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Royal Banks of Missouri had $5,058,000 in non-current loans and $838,000 in owned real estate. To cover these potential losses it had $107,597,000 in equity and $4,542,000 in loans loss reserves. That gives it a Texas Ratio of 5.26%.

Return on Equity
Royal Banks of Missouri U.S. Bank Average
7.5% 8.80%

Royal Banks of Missouri has a Return on Equity of 7.5% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Royal Banks of Missouri U.S. Bank Average
15.31% 12.29%

Royal Banks of Missouri has a Capitalization of 15.31% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Royal Banks of Missouri Balance Sheet Analysis

As of December 31, 2018, Royal Banks of Missouri had assets of $702,655,000, loans of $564,040,000, and deposits of $568,870,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.56 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.04 billion
     Total Assets $0.60 billion
LIABILITIES
Total deposits $0.57 billion
      Interest-bearing deposits $0.48 billion
      Deposits held in domestic offices $0.57 billion
      % insured (estimated) 79.37%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.60 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Royal Banks Of Missouri

Branches and Savings

Is Royal Banks Of Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #19512.

Why does Royal Banks Of Missouri pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Royal Banks Of Missouri CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Royal Banks Of Missouri a commercial bank?

Yes

Where are Royal Banks Of Missouri locations?

See branch locations nearby.

Is Royal Banks Of Missouri open on Saturdays?

Is Royal Banks Of Missouri open on Sundays?

What time does Royal Banks Of Missouri open?

What time does Royal Banks Of Missouri close?

Are Royal Banks Of Missouri ATMs Open 24/7?

Do Royal Banks Of Missouri ATMs accept cash deposits?

Can Royal Banks Of Missouri customers use other ATMs?

Do Royal Banks Of Missouri branches have notaries?

Will Royal Banks Of Missouri notarize my document?

What address for Royal Banks Of Missouri should I put for incoming ACH transfers?

Will the Royal Banks Of Missouri branch print checks?

Do Royal Banks Of Missouri checks expire?

Does Royal Banks Of Missouri require US citizenship to open account?

Can Royal Banks Of Missouri close my account?

Does Royal Banks Of Missouri Report to credit bureaus?

Does Royal Banks Of Missouri Use Equifax?

What is Royal Banks Of Missouri's ACH Routing Number?

What is Royal Banks Of Missouri's SWIFT code?

Products

Does Royal Banks Of Missouri offer mortgages?

Compare mortgage rates here.

Does Royal Banks Of Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Royal Banks Of Missouri offer personal loans?

Compare personal loan rates here.

Does Royal Banks Of Missouri offer student loans?

Will Royal Banks Of Missouri cash a check?

Will Royal Banks Of Missouri redeem a savings bond?

Does Royal Banks Of Missouri cash savings bonds?

Will Royal Banks Of Missouri cash money orders?

Can Royal Banks Of Missouri issue a money order?

Does Royal Banks Of Missouri do currency exchange?

Background on The Bank

Who owns Royal Banks Of Missouri?

How long has Royal Banks Of Missouri been around?

Can Royal Banks Of Missouri transfer to other banks?

Does Royal Banks Of Missouri have quick pay?

Does Royal Banks Of Missouri accept rolled coins?

Will Royal Banks Of Missouri accept loose change?

Where is Royal Banks Of Missouri headquarters?

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