Royal Banks of Missouri: how it compares with its peers
Against 49 MO banks with half to twice its assets, Royal Banks of Missouri's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $7.3M peer median). Its weakest relative measure is return on assets (1.05% vs. 1.63%).
| Measure | Royal Banks of Missouri | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.63% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 4.23% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.87% | 54.57% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.3M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.05% | 90.89% | Context |
What it means for lending operations
Its efficiency ratio of 63.87% is above the 54.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Old Monroe Old Monroe, MO · $995M
- First Federal Bank of Kansas City Lees Summit, MO · $993M
- Parkside Financial Bank & Trust Clayton, MO · $1.08B
- Triad Bank Frontenac, MO · $1.11B
- St. Louis Bank Saint Louis, MO · $1.11B
- Midwest Regional Bank Clayton, MO · $949M
Questions about Royal Banks of Missouri
How big is Royal Banks of Missouri?
Royal Banks of Missouri, established in 1965, is headquartered in Saint Louis, MO. It reported $1.03B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Royal Banks of Missouri's return on assets?
1.05% annualized in Q2 2026, against a 1.63% median for 49 MO banks with half to twice its assets, ahead of 16% of them.
What is Royal Banks of Missouri's efficiency ratio?
63.87% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 54.57%, and lower is better.
Is Royal Banks of Missouri growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits shrank 0.5%.
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 MO 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 Missouri bank ranked.