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660 S. Figueroa Street, Suite 1888
Los Angeles, CA 90017

Royal Business Bank is headquartered in Los Angeles and is the 63rd largest bank in the state of California. It is also the 845th largest bank in the nation. It was established in 2008 and as of June of 2014, it had grown to 134 employees at 11 locations. Royal Business Bank has a A+ health rating.

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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 Business Bank had $443,000 in non-current loans and owned real-estate with $137.31 million in equity and loan loss allowances on hand to cover it. This gives Royal Business Bank a Texas Ratio of 0.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Royal Business Bank decreased dramatically from (infinite) as of June 30, 2013 to 0.32% as of June 30, 2014, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Royal Business Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Royal Business Bank has increased its total deposits by $79.03 million, resulting in 13.33% 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 Business Bank has shown is excellent.



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 Business Bank has $807.18 million in assets with $137.31 million in equity, resulting in a capitalization level of 17.01%, which is excellent.

Institution Statistics

FDIC Certificate #58816
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$807.18 million
Loans$675.86 million
Deposits$672.09 million
Equity Capital$129.52 million
Loan Loss Allowance$7.78 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$293,000
Historic Data - June 2013
Assets$712.25 million
Equity Capital$109.07 million
Loan Loss Allowance$7.43 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$850,000
Profit Margin - Quarterly
Return on Assets1.26%
Return on Equity8.01%
Interest Income$17.10 million

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Royal Business Bank has 11 locations. Click to view all Royal Business Bank locations.