ROYAL BANCSHARES INC is the bank holding company. ROYAL BANKS OF MISSOURI is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

ROYAL BANCSHARES INC

Legal name: ROYAL BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $1.1B combined assets

RSSD ID: 1096372 (FFIEC NIC)

Combined Assets

$1.1B

CRA Rating Summary

Satisfactory1charter

Across all 18 exams on record for this holding company's charters, 94% resulted in Outstanding or Satisfactory.

Primary bankROYAL BANKS OF MISSOURISAINT LOUIS, MOSatisfactory$1.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$914M

Net Income

$3M

ROA (avg)

1.05%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

226

Origination Rate

23.89%

Denial Rate

56.19%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
ROYAL BANKS OF MISSOURI	SAINT LOUIS, MO	FDIC	$1.1B	100.0%	Satisfactory	Dec 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.