This institution is no longer active

Operations ceased on July 1, 1998. CRA examination history below reflects the period it was active.

ROYAL BANK

GAYS MILLS, WI · Supervised by FDIC

Est. 1904FDIC #10,740RSSD: FDIC-10740

Part ofROYAL BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Address

Main Street, GAYS MILLS, WI

County

Crawford County

Established

September 1, 1904

Total Assets

$13M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1998Call Report / FDIC

Total Assets

$13M

Total Deposits

$11M

Net Loans

$8M

Net Income

$99K

ROA

1.56%

ROE

16.57%

Risk-Based Capital

14.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate11.82%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	347	73.49%	11.82%
2023	313	77.32%	9.58%
2022	511	77.5%	10.37%
2021	918	84.1%	8.39%
2020	1,145	83.23%	9.17%
2019	568	83.63%	9.51%
2018	461	80.26%	7.38%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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