BlastPoint's Banking Scorecard

Royal Bank

Community Specialty: Agricultural WI FDIC cert 13454

Elroy, WI

1484 banks in Community tier nationally 63 in WI

View Community leaderboard (WI) →

Royal Bank demonstrates 1 strength

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 22% in Community

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$798.8M +4.2% YoY +3.0% QoQ	-$592.7M	$1.4B +2.0% YoY	$1.1B +5.1% YoY	$5.9B +6.5% YoY	35%
Total Loans ?	$542.9M +8.5% YoY +3.4% QoQ	-$432.6M	$975.5M +2.4% YoY	$768.8M +4.7% YoY	$3.1B +8.5% YoY	36%
Total Deposits ?	$708.3M +3.8% YoY +3.3% QoQ	-$456.3M	$1.2B +1.7% YoY	$858.9M +4.5% YoY	$4.7B +6.3% YoY	39%
Return on Assets ?	1.46% +20.1% YoY +2.3% QoQ	+0.30%	1.16% +17.2% YoY	1.12% +22.4% YoY	1.12% +15.6% YoY	72%
Net Interest Margin ?	4.05% +11.3% YoY +1.6% QoQ	+0.39%	3.66% +9.1% YoY	3.60% +10.9% YoY	3.75% +7.1% YoY	73%
Efficiency Ratio ?	57.04% -7.9% YoY -1.3% QoQ	-5.59%	62.63% -5.3% YoY	64.76% -6.6% YoY	65.09% -5.1% YoY	67%
Delinquency Rate ?	0.11% -1.4% YoY +10.2% QoQ	-0.52%	0.63% +18.3% YoY	0.52% +44.6% YoY	0.66% +20.3% YoY	81%
Loan-to-Deposit Ratio ?	76.65% +4.5% YoY +0.1% QoQ	-6.41%	83.06% +0.3% YoY	85.80% +1.3% YoY	78.04% +0.7% YoY	69%
Non-Interest-Bearing Deposit Share ?	27.98% -1.2% YoY +1.5% QoQ	+6.93%	21.05% -0.9% YoY	18.83% -1.2% YoY	21.79% -1.3% YoY	79%
Nonperforming Asset Ratio ?	0.07% +2.7% YoY +10.6% QoQ	-0.43%	0.50% +20.3% YoY	0.37% +20.8% YoY	0.48% +20.8% YoY	83%
Tier 1 Capital Ratio ?	15.60% +9.3% YoY -0.6% QoQ	+5.36%	10.24% -0.6% YoY	8.70% -2.9% YoY	9.75% -1.9% YoY	80%
Non-Interest Income / Assets ?	0.57% -5.3% YoY +31.9% QoQ	-0.17%	0.74% -1.3% YoY	0.58% +3.9% YoY	0.65% +0.6% YoY	57%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#83 of 371 · Top 22% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.63%, National: 0.66%)

better than tier avg

371 of 371 Community banks match · 443 nationally

→ Stable +6 banks QoQ | QoQ rank improving

Concerns (0)

No concerns identified

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Nonperforming Asset Ratio

Current: 0.07% · Tier avg: 0.50%

83th pctile

Delinquency Rate

Current: 0.11% · Tier avg: 0.63%

81th pctile

Tier 1 Capital Ratio

Current: 15.60% · Tier avg: 10.24%

80th pctile

Non-Interest-Bearing Deposit Share

Current: 27.98% · Tier avg: 21.05%

79th pctile

Net Interest Margin

Current: 4.05% · Tier avg: 3.66%

73th pctile

Return on Assets

Current: 1.46% · Tier avg: 1.16%

72th pctile

Loan-to-Deposit Ratio

Current: 76.65% · Tier avg: 83.06%

69th pctile

Efficiency Ratio

Current: 57.04% · Tier avg: 62.63%

67th pctile

Non-Interest Income / Assets

Current: 0.57% · Tier avg: 0.74%

57th pctile

Total Deposits

Current: $708.3M · Tier avg: $1.2B

39th pctile

Total Loans

Current: $542.9M · Tier avg: $975.5M

36th pctile

Total Assets

Current: $798.8M · Tier avg: $1.4B

35th pctile

Top Weaknesses