Royal Bank America

732 Montgomery Avenue
Narberth, PA 19072
610.668.4700
www.royalbankamerica.com

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Royal Bank America is headquartered in Narberth and is the 41^st largest bank in the state of Pennsylvania. It is also the 793^rd largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 156 employees at 15 locations. Royal Bank America's money market rates are 82% higher than the national average, but it has a 2-star health rating.

Top Long-Term CD Rates at Royal Bank America in PA & NJ - Local Only - 12/19/2011

Certificates of deposit with yields of at least 3.00% are rare these days even for terms as long as 10 years. There are a few local deals that still offer this yield. One is Royal Bank America which i ...

Top Mid-Term & Long-Term CD Rates at Royal Asian Bank & Royal Bank America in PA, NY and NJ - 11/14/2010

Royal Bank America and its sister bank Royal Asian Bank continue to offer some competitive mid-term CDs. The rates are down a bit since my last post in September. The new rates include a 2.00% APY for ...

Top 26-Month CD at Royal Asian Bank & Royal Bank America in PA, NY and NJ - 9/28/2010

Royal Bank America and its sister bank Royal Asian Bank are offering a special 2.05% APY 26-month CD. Other good deals include a 1.75% APY 14-month CD and a 2.25% APY 3-year CD. Minimum deposit is $1, ...

3.25% 17-Month CD at Royal Asian Bank & Royal Bank America in PA, NY and NJ - 3/23/2009

Update 5/09/09: The 17-month CD special has ended. Please check the bank's website for the latest rates.Royal Asian Bank just did something you don't see too often these days. It increased the rate of its special 17-month CD from 3.00% to 3.25% APY. I...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Royal Bank America Checking Account Rates

Apy	Min	Max	Product
0.60%	$10k	-	Premier Interest Checking
0.60%	$500	-	Encore (50+) Checking
0.25%	$10k	-	Premier Interest Checking Plus

Royal Bank America Savings Account Rates

Apy	Min	Max	Product
0.60%	$1,500	-	IRA Savings
0.60%	$25	-	Royal Rangers Youth Savings
0.50%	$100	-	Passbook Savings
0.50%	$100	-	Statement Savings
0.50%	$100	-	Business Statement Savings
0.50%	$100	-	Business Passbook Savings

Royal Bank America Money Market Rates

Apy	Min	Max	Product
0.85%	$100k	-	Royal Money Market
0.85%	$100k	-	Business Royal Money Market
0.80%	$50k	-	eMoney Market
0.80%	$50k	-	Business eMoney Market

Royal Bank America CD Rates

Apy	Min	Max	Product
2.05%	$1k	-	10 Year CD
1.90%	$1k	-	8 Year CD
1.75%	$1k	-	5 Year CD
1.60%	$1k	-	4 Year CD
1.40%	$1k	-	36 Month CD
1.10%	$1k	-	2 Year CD
1.00%	$1k	-	18 Month CD
0.85%	$1k	-	1 Year CD
0.50%	$1k	-	6 Month CD
0.40%	$1k	-	3 Month CD

Royal Bank America IRA Rates

Apy	Min	Max	Product
2.05%	$1k	-	10 Year IRA
1.90%	$1k	-	8 Year IRA
1.75%	$1k	-	5 Year IRA
1.60%	$1k	-	4 Year IRA
1.40%	$1k	-	36 Month IRA
1.10%	$1k	-	2 Year IRA
1.00%	$1k	-	18 Month IRA
0.85%	$1k	-	1 Year IRA
0.50%	$1k	-	6 Month IRA
0.40%	$1k	-	3 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Royal Bank America
FDIC Certificate #	18962
BankRate Report	View
Year Established	1963
Employees	156
Primary Regulator	FDIC
Assets and Liabilities
Assets	$828.59 million
Loans	$392.45 million
Deposits	$582.37 million
Equity Capital	$63.43 million
Loan Loss Allowance	$16.45 million
Unbacked Noncurrent Loans	$41.23 million
Real Estate Owned	$23.93 million
Historic Data - March 2011
Assets	$921.30 million
Equity Capital	$70.05 million
Loan Loss Allowance	$23.05 million
Unbacked Noncurrent Loans	$64.65 million
Real Estate Owned	$30.68 million
Profit Margin - Quarterly
Net Interest Margin	3.22%
Return on Assets	-0.18%
Return on Equity	-2.41%
Interest Income	$8.80 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Royal Bank America had $65.16 million in non-current loans and owned real-estate with $79.88 million in equity and loan loss allowances on hand to cover it. This gives Royal Bank America a Texas Ratio of 81.58% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Royal Bank America decreased slightly from 102.40% as of March 31, 2011 to 81.58% as of March 31, 2012, resulting in a positive change of 20.33%.This indicates that the balance sheet and financial strength for Royal Bank America has improved slightly in recent periods.
Deposit Growth
In the past year, Royal Bank America has decreased its total deposits by -$65.68 million, resulting in -10.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Royal Bank America has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Royal Bank America has $828.58 million in assets with $79.88 million in equity, resulting in a capitalization level of 9.64%, which is average.