← Back to Institutions
RBC Bank, (Georgia) National Association
Atlanta, GA·FDIC Cert #26342·Charter: OCC·Est. 19850830.0·HC: ROYAL BANK OF CANADA
Total Assets
$8.0B
Q4 2025
Return on Assets
2.48%
+0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
29.58%
Peer avg: 57.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
80
Strong
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.48%+0.03
ROE
22.30%+0.32
Efficiency
29.58%-1.29
Equity/Assets
0.00%+0.00
NPL Ratio
0.67%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
44.29%+0.66
Charge-offs
0.42%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.3 | 2.4 | 2.3 | 2.3 | 2.4 | 2.4 | 2.5 | 2.5 |
| ROE | 23.3 | 23.3 | 22.3 | 22.6 | 21.8 | 21.8 | 22.0 | 22.3 |
| Efficiency | 30.6 | 29.7 | 32.9 | 31.6 | 32.8 | 31.6 | 30.9 | 29.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.3 | 0.4 | 0.4 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 48.1 | 48.3 | 47.6 | 48.3 | 47.7 | 47.0 | 43.6 | 44.3 |
Balance Sheet
Total Assets$8.0B
Total Deposits$7.1B
Total Loans$3.1B
Total Equity$881.5M
Profitability
ROA2.48%
ROE22.30%
Efficiency Ratio29.58%
Net Income$178.3M
Risk & Asset Quality
NPL Ratio0.67%
Charge-off Rate0.42%
Loan/Deposit44.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans