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732 Montgomery Avenue
Narberth, PA 19072

Royal Bank America is headquartered in Narberth and is the 49th largest bank in the state of Pennsylvania. It is also the 921st largest bank in the nation. It was established in 1963 and as of December of 2013, it had grown to 115 employees at 13 locations. Royal Bank America's money market rates are 70% higher than the national average, and it has a C+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 Royal Bank America had $19.77 million in non-current loans and owned real-estate with $59.86 million in equity and loan loss allowances on hand to cover it. This gives Royal Bank America a Texas Ratio of 33.04% which is average. 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 dramatically from 54.41% as of December 31, 2012 to 33.04% as of December 31, 2013, resulting in a positive change of 39.28%.This indicates that the balance sheet and financial strength for Royal Bank America has improved dramatically in recent periods.

Deposit Growth


In the past year, Royal Bank America has decreased its total deposits by -$29.4 million, resulting in -5.24% 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 below average.



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 $730.63 million in assets with $59.86 million in equity, resulting in a capitalization level of 8.19%, which is average.

Institution Statistics

FDIC Certificate #18962
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$730.63 million
Loans$354.43 million
Deposits$531.67 million
Equity Capital$46.35 million
Loan Loss Allowance$13.51 million
Unbacked Noncurrent Loans$10.16 million
Real Estate Owned$9.62 million
Historic Data - December 2012
Assets$767.47 million
Equity Capital$49.31 million
Loan Loss Allowance$17.26 million
Unbacked Noncurrent Loans$10.16 million
Real Estate Owned$13.22 million
Profit Margin - Quarterly
Net Interest Margin3%
Return on Assets0.36%
Return on Equity5.67%
Interest Income$27.50 million

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Royal Bank America Savings Account Rates

0.50%$25-Royal Rangers Youth Savings
0.20%$100-Passbook Savings
0.20%$100-Statement Savings
0.20%$100-Business Statement Savings
0.20%$1,500-IRA Savings

Royal Bank America Money Market Rates

0.75%--Business Relationship Money Market
0.75%--Relationship Money Market
0.45%$500k-Royal Money Market
0.45%$500k-Business Royal Money Market
0.30%$50k-eMoney Market
0.30%$50k-Business eMoney Market

Royal Bank America Checking Account Rates

0.15%$500-Encore Checking
0.10%$10k-Premier Interest Checking Plus
0.05%$1,500-Personal Interest Checking
0.05%$15k-Business Interest Checking

Royal Bank America CD Rates

1.60%$1k-5 Year CD
1.35%$1k-4 Year CD
1.25%$1k-36 Month CD
1.25%$1k-30 Month CD
1.20%$1k-10 Year CD
1.10%$1k-8 Year CD
1.00%$1k-2 Year CD
0.75%$1k-18 Month CD
0.35%$1k-1 Year CD
0.20%$1k-3 Month CD
0.20%$1k-6 Month CD

Royal Bank America IRA Rates

1.60%$1k-5 Year IRA
1.35%$1k-4 Year IRA
1.25%$1k-36 Month IRA
1.25%$1k-30 Month IRA
1.20%$1k-10 Year IRA
1.10%$1k-8 Year IRA
1.00%$1k-2 Year IRA
0.75%$1k-18 Month IRA
0.35%$1k-1 Year IRA
0.20%$1k-3 Month IRA
0.20%$1k-6 Month IRA

Royal Bank America has 14 locations. Click to view all Royal Bank America locations.