Royal Business Bank: how it compares with its peers
Against 29 CA banks with half to twice its assets, Royal Business Bank's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $12.2M peer median). Its weakest relative measure is net interest margin (3.33% vs. 3.72%).
| Measure | Royal Business Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 1.29% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.33% | 3.72% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.90% | 49.26% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $12.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.90% | 85.89% | Context |
What it means for lending operations
Its efficiency ratio of 51.90% is above the 49.26% 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
- American Business Bank Los Angeles, CA · $4.42B
- California Bank of Commerce, National Association San Diego, CA · $4.02B
- Commercial Bank of California Irvine, CA · $3.98B
- Bank of Marin Novato, CA · $3.86B
- Bank of the Sierra Porterville, CA · $3.72B
Questions about Royal Business Bank
How big is Royal Business Bank?
Royal Business Bank, established in 2008, is headquartered in Los Angeles, CA. It reported $4.27B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Royal Business Bank's return on assets?
1.18% annualized in Q2 2026, against a 1.29% median for 29 CA banks with half to twice its assets, ahead of 34% of them.
What is Royal Business Bank's efficiency ratio?
51.90% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 49.26%, and lower is better.
Is Royal Business Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 6.8%.
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 CA 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 California bank ranked.