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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 935th largest bank in the nation. It was established in 1963 and as of March of 2014, it had grown to 116 employees at 13 locations. Royal Bank America has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Royal Bank America had $18.71 million in non-current loans and owned real-estate with $57.53 million in equity and loan loss allowances on hand to cover it. This gives Royal Bank America a Texas Ratio of 32.53% 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 47.03% as of March 31, 2013 to 32.53% as of March 31, 2014, resulting in a positive change of 30.84%.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 -$2.36 million, resulting in -0.44% 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 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 $726.41 million in assets with $57.53 million in equity, resulting in a capitalization level of 7.92%, which is below average.

Institution Statistics

FDIC Certificate #18962
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$726.41 million
Loans$346.83 million
Deposits$534.98 million
Equity Capital$45.66 million
Loan Loss Allowance$11.87 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$9.37 million
Historic Data - March 2013
Assets$744.73 million
Equity Capital$49.67 million
Loan Loss Allowance$15.39 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$13.05 million
Profit Margin - Quarterly
Net Interest Margin3.29%
Return on Assets0.86%
Return on Equity14.2%
Interest Income$7.15 million

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Royal Bank America Savings Account Rates

0.25%$25-Youth Savings
0.20%$100-Business Savings
0.15%$100-Personal Savings

Royal Bank America Money Market Rates

0.45%$500k-Personal Money Market
0.45%$500k-Business Money Market

Royal Bank America Checking Account Rates

0.10%$10k-Interest Checking
0.10%$10k-Prime Checking (50+)

Royal Bank America CD Rates

1.75%$1k-5 Year CD
1.50%$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
1.05%$1k-2 Year CD
0.90%$1k-18 Month CD
0.75%$1k-1 Year CD
0.20%$1k-3 Month CD
0.20%$1k-6 Month CD

Royal Bank America IRA Rates

1.75%$1k-5 Year IRA
1.50%$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
1.05%$1k-2 Year IRA
0.90%$1k-18 Month IRA
0.75%$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.