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

Royal Business Bank is headquartered in Los Angeles and is the 66th largest bank in the state of California. It is also the 905th largest bank in the nation. It was established in 2008 and as of March of 2014, it had grown to 127 employees at 12 locations. Royal Business Bank has a A+ 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 Business Bank had $1.66 million in non-current loans and owned real-estate with $124.25 million in equity and loan loss allowances on hand to cover it. This gives Royal Business Bank a Texas Ratio of 1.34% 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 experienced no significant changes from 0.69% as of March 31, 2013 to 1.34% as of March 31, 2014, resulting in a negative change of 94.23%. This indicates that the balance sheet and financial strength for Royal Business Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Royal Business Bank has increased its total deposits by $163.88 million, resulting in 35.22% 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 $756.01 million in assets with $124.25 million in equity, resulting in a capitalization level of 16.43%, which is excellent.

Institution Statistics

FDIC Certificate #58816
Year Established2008
Primary RegulatorFDIC
Assets and Liabilities
Assets$756.01 million
Loans$619.78 million
Deposits$629.17 million
Equity Capital$116.70 million
Loan Loss Allowance$7.55 million
Unbacked Noncurrent Loans$1.02 million
Real Estate Owned$643,000
Historic Data - March 2013
Assets$568.78 million
Equity Capital$99.09 million
Loan Loss Allowance$7.12 million
Unbacked Noncurrent Loans$1.02 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.34%
Return on Assets1.31%
Return on Equity8.39%
Interest Income$8.28 million

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