BlastPoint's Banking Scorecard
Royal Business Bank
Community
Specialty: Commercial
CA
FDIC cert 58816
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Royal Business Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 10.33% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.2B
+5.4% YoY
-0.0% QoQ
|
+$2.8B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.3B
+8.5% YoY
+0.4% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.4B
+9.0% YoY
-0.6% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.91%
+11.8% YoY
+6.8% QoQ
|
-0.26% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.16%
+8.4% YoY
+1.0% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
55.25%
-0.5% YoY
-0.4% QoQ
|
-7.39% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
1.37%
-49.2% YoY
-2.3% QoQ
|
+0.74% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
96.25%
-0.5% YoY
+1.1% QoQ
|
+13.19% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
16.94%
-11.5% YoY
-4.3% QoQ
|
-4.10% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.27%
-37.4% YoY
-1.5% QoQ
|
+0.78% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
20.57%
-5.4% YoY
+1.7% QoQ
|
+10.33% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.41%
+3.2% YoY
+20.1% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.57%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#42 of 268 · Bottom 15% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.57%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
96.25%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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%
Top Strengths
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
94
94th pctile
Tier 1 Capital Ratio
Current: 20.57% · Tier avg: 10.24%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.25% · Tier avg: 83.06%
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 21.05%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
18
18th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.37% · Tier avg: 0.63%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.94% · Tier avg: 21.05%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
72
72th pctile
Efficiency Ratio
Current: 55.25% · Tier avg: 62.63%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.25% · Tier avg: 83.06%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.57% · Tier avg: 10.24%
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.2B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M