Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

ROYAL BUSINESS BANK

FDIC #58816 · CA · period 20260630

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Total assets1,445,129-3.82% YoY

Total deposits1,246,821-1.40% YoY

Net loans and leases1,236,332+2.25% YoY

Return on assets0.87%-47.56% YoY

Return on equity6.30%-44.20% YoY

Net interest margin4.04%-4.16% YoY

Peer position

Return on assets44thin line · n=902

Return on equity22ndopportunity · n=894

Net interest margin27thopportunity · n=902

Equity to assets87thstrength · n=894

Noncurrent loans38thin line · n=887

Liquid assets30thin line · n=895

Brokered deposits51stin line · n=890

Loans to deposits29thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,445,129	1,246,821	1,236,332	0.87	6.30	4.04
2016-06-30	1,436,648	1,220,356	1,257,682	1.26	9.16	4.51
2016-09-30	1,445,730	1,220,931	1,217,645	1.43	10.29	4.62
2016-12-31	1,393,564	1,172,915	1,182,353	1.52	10.76	4.61
2017-03-31	1,502,567	1,264,496	1,209,156	1.66	11.29	4.21
2017-06-30	1,528,408	1,293,101	1,274,751	2.04	13.86	4.26
2017-09-30	1,637,286	1,369,219	1,404,912	1.96	13.07	4.17
2017-12-31	1,688,470	1,386,302	1,438,750	1.78	11.79	4.41
2018-03-31	1,712,483	1,428,074	1,453,984	2.26	14.35	4.40
2018-06-30	1,813,520	1,478,074	1,548,819	2.29	14.59	4.48
2018-09-30	2,133,405	1,618,934	1,741,962	2.12	14.03	4.34
2018-12-31	2,970,076	2,195,274	2,557,950	1.90	12.71	4.30
2019-03-31	2,977,247	2,234,986	2,476,591	1.60	10.81	4.03
2019-06-30	2,798,323	2,280,655	2,342,459	1.62	10.59	4.00
2019-09-30	2,815,705	2,293,238	2,412,087	1.53	9.81	3.96
2019-12-31	2,783,284	2,284,743	2,352,308	1.58	9.91	3.93
2020-03-31	3,127,315	2,457,188	2,497,949	1.12	6.72	3.75
2020-06-30	3,134,954	2,452,704	2,643,281	1.09	6.59	3.77
2020-09-30	3,357,964	2,628,116	2,808,407	1.14	7.01	3.79
2020-12-31	3,349,367	2,644,042	2,783,394	1.24	7.67	3.85
2021-03-31	3,663,156	2,941,400	2,778,089	1.60	10.63	3.86
2021-06-30	3,885,317	3,158,711	2,796,142	1.62	11.06	3.78
2021-09-30	3,796,557	3,053,361	2,992,370	1.69	11.59	3.82
2021-12-31	4,222,510	3,465,041	3,096,463	1.69	11.81	3.79
2022-03-31	4,011,923	3,239,611	3,175,841	1.60	11.46	3.84
2022-06-30	3,963,786	3,084,560	3,110,878	1.68	11.74	4.04
2022-09-30	3,899,514	3,014,431	3,225,147	1.75	11.99	4.20
2022-12-31	3,915,530	3,023,391	3,294,478	1.81	12.20	4.29
2023-03-31	4,106,226	3,190,556	3,298,444	1.29	8.24	3.95
2023-06-30	4,072,704	3,255,865	3,153,458	1.29	8.36	3.79
2023-09-30	4,066,628	3,228,349	3,078,584	1.21	7.91	3.61
2023-12-31	4,019,691	3,225,129	2,991,869	1.25	8.26	3.46
2024-03-31	3,874,850	3,072,206	2,989,575	0.96	6.38	2.91
2024-06-30	3,864,494	3,056,529	3,009,117	0.92	6.02	2.88
2024-09-30	3,986,443	3,128,662	3,049,023	0.89	5.86	2.88
2024-12-31	3,985,037	3,117,791	3,016,751	0.81	5.35	2.91
2025-03-31	4,001,883	3,171,061	3,091,786	0.37	2.44	3.03
2025-06-30	4,082,907	3,257,433	3,183,681	0.73	4.95	3.07
2025-09-30	4,201,927	3,421,428	3,258,441	0.85	5.82	3.13
2025-12-31	4,201,116	3,399,896	3,272,481	0.91	6.24	3.16
2026-03-31	4,186,507	3,385,924	3,281,566	1.20	8.27	3.32
2026-06-30	4,267,264	3,477,950	3,265,799	1.18	8.32	3.33

Structure and branch footprint

25 current branch locations across 6 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-01-11	1	2360904	3835454
2018-10-16	1	2857794	3835454
2016-02-20	1	2943389	3835454
2013-05-18	1	841865	3835454
2011-09-24	1	3182082	3835454
2011-07-09	1	3604155	3835454

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.