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Royal Business Bank
Los Angeles, CA·FDIC Cert #58816·Charter: STATE·Est. 20081118.0·HC: RBB BCORP
Total Assets
$4.2B
Q4 2025
Return on Assets
0.91%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.25%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%+0.06
ROE
6.24%+0.42
Efficiency
55.25%-0.25
Equity/Assets
0.00%+0.00
NPL Ratio
1.37%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.25%+1.02
Charge-offs
0.45%-0.09
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 | 1.0 | 0.9 | 0.9 | 0.8 | 0.4 | 0.7 | 0.9 | 0.9 |
| ROE | 6.4 | 6.0 | 5.9 | 5.3 | 2.4 | 5.0 | 5.8 | 6.2 |
| Efficiency | 55.1 | 56.2 | 55.2 | 55.5 | 60.0 | 56.0 | 55.5 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.8 | 2.0 | 2.7 | 2.0 | 1.8 | 1.4 | 1.4 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.3 | 0.4 | 0.5 | 0.4 |
| Loan/Deposit | 97.3 | 98.4 | 97.5 | 96.8 | 97.5 | 97.7 | 95.2 | 96.3 |
Balance Sheet
Total Assets$4.2B
Total Deposits$3.4B
Total Loans$3.3B
Total Equity$603.5M
Profitability
ROA0.91%
ROE6.24%
Efficiency Ratio55.25%
Net Income$37.2M
Risk & Asset Quality
NPL Ratio1.37%
Charge-off Rate0.45%
Loan/Deposit96.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans