Royal Bank: how it compares with its peers
Against 58 WI banks with half to twice its assets, Royal Bank's strongest measure in Q2 2026 is net interest margin (4.18% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $7.7M).
| Measure | Royal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.25% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 3.74% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.93% | 59.64% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.7M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.81% | 90.04% | Context |
What it means for lending operations
Its efficiency ratio of 58.93% is better than the 59.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Bank of New Glarus New Glarus, WI · $823M
- DMB Community Bank Madison, WI · $835M
- Bank of Sun Prairie Sun Prairie, WI · $841M
- Hiawatha National Bank Hager City, WI · $781M
- Westbury Bank Waukesha, WI · $772M
- Farmers and Merchants Union Bank Columbus, WI · $872M
Questions about Royal Bank
How big is Royal Bank?
Royal Bank, established in 1932, is headquartered in Elroy, WI. It reported $816M in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is Royal Bank's return on assets?
1.48% annualized in Q2 2026, against a 1.25% median for 58 WI banks with half to twice its assets, ahead of 66% of them.
What is Royal Bank's efficiency ratio?
58.93% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 59.64%, and lower is better.
Is Royal Bank growing its loans?
Net loans grew 7.5% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.