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8021 Olive Boulevard
Saint Louis, MO 63130

Royal Banks of Missouri is headquartered in University City and is the 56th largest bank in the state of Missouri. It is also the 1,592nd largest bank in the nation. It was established in 1965 and as of June of 2014, it had grown to 78 employees at 8 locations. Royal Banks of Missouri has a B health rating.

Related Posts

Signed Up In Nov

Signed up in Nov. Hesitant to give info such as SS# online but so far have not had any problems. High yield interest is paid after 10 qualifying debit transactions and one ACH transfer. This could be a direct deposit or an ACH transfer you initiate from another bank. Would be 5 stars but you cannot iinitiate an ACH transfer from your RBM account. You have to initiate it from another checking account. I was hesitant to carry a debit card with a high balance but now only bring it when I know I will be using it and keep it at home after the 10 monthly debit transactions. Charging utility bills online using a debit card count towards the 10 transactions.

Stay Away If Possible!!!!!!!!

Well, here's yet another banking sceniro related to on-line banking, which the bank chooses to charge you and you have no recourse.....:

You have checked your account vigilantly on line.  No pending authorization for 2 days, you've mastered your checkbook (for the few checks you write).  Enough funds to cover what you have out there.  Low and behold days later here comes a 'GAS CHARGE" you purchased at BP 2 days ago!!!!  My God, most banks you can see the charages as you go....NOT ROYAL BANKS!!!!

Now you only had a small issue, but they add $64 over draft (first of course), reject your check that came through and bounce it, and all over $2 and Gas Charges that should have posted. 

If I could remember all the charges I made, I would need on-line banking -- isn't that the point.

My point is that is it not statistically possible for the customer to be wrong 100% OF THE TIME. 

At other banks you can see your charges 5 minutes on line after they are done.


Needs Updating Badly!!!!

The Bank itself is ok.  I have been a customer for over 10 years , mostly out of laziness of switching.

Finally, on line banking came after all the other banks had it.

Still takes at leaset 2-3 days for things to "post", deposits or credits to post, and when all my other colleages get their business mileage direct deposted on the same day - mine is 2 days later than everyone else??

Of course, if you have a overdraft, that is NEVER late.

I was a fan until I disputed a few charges.  Then I got a nasty e-mail from a VP (and I asked for a phone call)  just like the bigger banks.

Ihave heard there are a few banks now that are "real time" and I may actually switch. 

Good bank for a young, starter person, but if you are juggling a mortgage, kids, etc who has the time to constantly check to see if they processed something.


Don't Try To Get A Copy Of A Past Statement Without Paying $$$$$

I thought I was saving a tree and saving the institution money by going to "paperless" checking.

When the time came that I needed some back statements, I found out only TWO months are kept on their server!!!

Are you kidding me???   AND after 15 years of banking with them it will cost me $3 a page (that about $15 per statement) and $30/hr "research' fee.


This really is the final straw - it will be a big headache to switch everything over, but I'm done!





Data for Q2 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 June 30, 2014 Royal Banks of Missouri had $14.36 million in non-current loans and owned real-estate with $58.23 million in equity and loan loss allowances on hand to cover it. This gives Royal Banks of Missouri a Texas Ratio of 24.65% 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 Banks of Missouri decreased slightly from 29.52% as of June 30, 2013 to 24.65% as of June 30, 2014, resulting in a positive change of 16.48%.This indicates that the balance sheet and financial strength for Royal Banks of Missouri has improved slightly in recent periods.

Deposit Growth


In the past year, Royal Banks of Missouri has decreased its total deposits by -$23.05 million, resulting in -6.09% 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 Banks of Missouri 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 Banks of Missouri has $421.17 million in assets with $58.23 million in equity, resulting in a capitalization level of 13.83%, which is excellent.

Institution Statistics

FDIC Certificate #19512
Year Established1965
Primary RegulatorFDIC
Assets and Liabilities
Assets$421.17 million
Loans$325.81 million
Deposits$355.14 million
Equity Capital$53.32 million
Loan Loss Allowance$4.92 million
Unbacked Noncurrent Loans$14.36 million
Real Estate Owned$0
Historic Data - June 2013
Assets$429.86 million
Equity Capital$49.60 million
Loan Loss Allowance$6.53 million
Unbacked Noncurrent Loans$14.36 million
Real Estate Owned$1.33 million
Profit Margin - Quarterly
Return on Assets1.02%
Return on Equity8.32%
Interest Income$8.27 million

Always verify rates and promotions with the bank or credit union. We are not Royal Banks of Missouri, we are a rate comparison website and can not provide official rates or promotions.

Royal Banks of Missouri Savings Account Rates

0.39%$50k-Royal Supreme Savings
0.15%--Commercial Savings
0.10%$100-Personal Savings

Royal Banks of Missouri Money Market Rates

0.40%$50k-Ultimate Money Market
0.40%$50k$100kCommercial Money Market

Royal Banks of Missouri Checking Account Rates

1.85%-$25kMajestic Checking - Qualifying
0.81%$100k-Personal Super NOW
0.15%--Majestic Checking - Non Qualifying
0.10%$1k-Personal Interest Checking

Royal Banks of Missouri CD Rates

1.21%$1k$100k60 Month CD
1.00%$1k$100k48 Month CD
0.73%$1k$100k36 Month CD
0.60%$1k$100k24 Month CD
0.50%$1k$100k18 Month CD
0.39%$1k$100k12 Month CD
0.20%$1k$100k6 Month CD
0.10%$1k$100k3 Month CD

Royal Banks of Missouri IRA Rates

1.21%$1k$100k60 Month IRA
1.00%$1k$100k48 Month IRA
0.73%$1k$100k36 Month IRA
0.60%$1k$100k24 Month IRA
0.50%$1k$100k18 Month IRA
0.39%$1k$100k12 Month IRA
0.20%$1k$100k6 Month IRA
0.10%$1k$100k3 Month IRA

Royal Banks of Missouri Locations
Covenant House Branch10 Millstone CampusSaint Louis, MO 63146
Creve Coeur Facility13171 Olive Blvd.Saint Louis, MO 63141
St Louis Hills Facility3534 Watson Rd.Saint Louis, MO 63139
Royal Banks Of Missouri - University City Branch7701 Delmar BoulevardUniversity City, MO 63130
Royal Banks Of Missouri8021 Olive BoulevardUniversity City, MO 63130
Crown Center Branch8350 DelcrestSaint Louis, MO 63124
Glendale Facility9990 Manchester RoadGlendale, MO 63122