Royal Banks of Missouri

Headquarters

8021 Olive Blvd
University City, MO 63130
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.65% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC 5.25% 0.99% →

2024 Overview

General Bank Information

Royal Banks of Missouri is an FDIC insured institution located in University City, MO. It was founded in 1965 and has approximately $1.02 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 19512
Date Established 1965
Assets $ 1,024.28 million
Loans $ 737.64 million
Deposits $ 878.49 million
Capital $ 139.75 million
 

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.

Deposit Rates - December 24, 2024

Your Current Location: Ohio, OH 43085

Checking Rates APY MIN FEE
E-Global Checking 0.55% $0 $0.00 Learn MoreShow Less

Loan Rates - December 24, 2024

Your Current Location: Ohio, OH 43085

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:
Columbus,Ohio



Climate Policy and Initiatives

Royal Banks of Missouri is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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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
11.85% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 June 30, 2024, Royal Banks of Missouri had $3,126,000 in non-current loans and $14,106,000 in owned real estate. To cover these potential losses it had $139,752,000 in equity and $5,670,000 in loans loss reserves. That gives it a Texas Ratio of 11.85%.

Return on Equity
Royal Banks of Missouri U.S. Bank Average
6.35% 10.46%

Royal Banks of Missouri has a Return on Equity of 6.35% versus the BestCashCow average of 10.46%. 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
13.64% 10.84%

Royal Banks of Missouri has a Capitalization of 13.64% versus the BestCashCow average of 10.84. 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 June 30, 2024, Royal Banks of Missouri had assets of $1,024,275,000, loans of $737,635,000, and deposits of $878,487,000. 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

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 117.97 million
Interest-bearing balances $ 105.95 million
Total securities $ 68.11 million
Federal funds sold and reverse repurchase $ 1.97 million
Net loans and leases $ 737.64 million
Loan loss allowance $ 5.67 million
Trading account assets $ 0.25 million
Bank premises and fixed assets N.A.
Other real estate owned $ 14.11 million
Goodwill and other intangibles $ 17.06 million
All other assets $ 52.34 million
     Total Assets $ 884.52 million
LIABILITIES
Total deposits $ 878.49 million
      Interest-bearing deposits $ 706.15 million
      Deposits held in domestic offices $ 878.49 million
      % insured (estimated) 71.87%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.03 million
      Total Liabilities $ 884.52 million
      Shareholders’ Equity $ 139.75 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 25.65 million
Total Interest Expense $ 10.30 million
Net interest income $ 15.35 million
Provision for loan and lease losses $ 0.12 million
Total non interest income $ 1.93 million
Total non interest expense $ 11.68 million
Pre-tax Net Operating Income $ 5.50 million

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 8.70
Multifamily
Mortgages
8.22
Credit Card Loans 0.00
Consumer Auto Loans 1.16
Small Business Loans 5.48
Construction and Development Loans 7.45
Commercial Real Estate 49.77
Commercial and Industrial Loans 11.95
Farm Loans 0.38

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