🏦Bank Scorer

ROYAL BANKS OF MISSOURI

SAINT LOUIS, MO · Supervised by FDIC

Est. 1965FDIC #19,512RSSD: FDIC-19512
Part ofROYAL BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.05%

Institution Profile

FDIC BankFind

Address

8550 Olive Blvd, SAINT LOUIS, MO

County

St. Louis County

Established

November 8, 1965

Total Assets

$1.1B(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

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$914M

Net Loans

$775M

Net Income

$3M

ROA

1.05%

ROE

8.84%

Risk-Based Capital

12.79%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate56.19%Peer avg: 9.91%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$896M

1-Year Change

0

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422623.89%56.19%
202316013.75%46.25%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/5169d7e6-652b-47b8-a6b7-ac017ad87227"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: