This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.56%

Is this bank safe?

ROYAL BANK holds a Satisfactory CRA rating (1996), is financially strong (ROA +1.56%). Overall, this bank appears financially sound.

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%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.57%

Risk-Based Capital

14.95%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.56%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.95%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.82%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	347	73.49%	11.82%
2020	1,145	83.23%	9.17%
2019	568	83.63%	9.51%
2018	461	80.26%	7.38%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 1996	Satisfactory	Not Reported
Jul 1992	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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