Royal Business Bank Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 5493003B20KZ3DEZGB43

Tax ID: 26-0339713

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Royal Business Bank is a smaller bank specializing in Home Purchase and Refi loans. Royal Business Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Riverside, San Francisco, and Chicago among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Royal Business Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Royal Business Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.49% 4/18/24
    30 Year Conventional Refi 6.45% 4/18/24
    30 Year Cash-out Refi 6.70% 4/18/24
    15 Year Conventional Purchase 5.96% 4/18/24
    15 Year Conventional Refi 5.92% 4/18/24
    15 Year Cash-out Refi 5.92% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Royal Business Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Royal Business Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    733

    Origination Dollar Volume (All Markets)

    $463,805,000

    Employee count

    366

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 360 $166,590,000 $462,750 $6,827 3.33%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 164 $133,750,000 $815,549 $7,043 4.65%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 68 $46,660,000 $686,176 $5,366 4.86%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 25 $19,375,000 $775,000 $9,493 5.06%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 52 $11,390,000 $219,038 $6,269 4.42%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 17 $10,705,000 $629,706 $3,031 5.07%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $8,740,000 $4,370,000 $0 5.25%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 5.25%
    Rockport, TX (FHA|USDA|VA) 1 $5,395,000 $5,395,000 $0 4.50%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $4,520,000 $1,130,000 $4,769 4.78%
    RENO, NV (FHA|USDA|VA) 2 $4,290,000 $2,145,000 $0 4.38%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $4,205,000 $4,205,000 $0 4.75%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $3,855,000 $3,855,000 $0 4.75%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $3,245,000 $1,081,667 $3,835 5.03%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $3,155,000 $3,155,000 $0 5.25%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $2,905,000 $2,905,000 $0 4.50%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $2,850,000 $1,425,000 $4,597 4.50%
    STOCKTON, CA (FHA|USDA|VA) 5 $2,195,000 $439,000 $5,332 5.00%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $2,185,000 $2,185,000 $0 5.50%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $2,175,000 $2,175,000 $0 4.75%
    COLUMBIA, SC (FHA|USDA|VA) 1 $2,175,000 $2,175,000 $0 4.60%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $2,145,000 $715,000 $6,072 4.71%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 5.50%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 4.50%
    FARMINGTON, NM (FHA|USDA|VA) 1 $1,905,000 $1,905,000 $0 5.15%
    TUCSON, AZ (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $0 4.55%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $0 4.75%
    Payson, AZ (FHA|USDA|VA) 2 $1,500,000 $750,000 $0 4.55%
    El Campo, TX (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 5.35%
    VISALIA, CA (FHA|USDA|VA) 1 $915,000 $915,000 $0 5.50%
    Port Angeles, WA (FHA|USDA|VA) 1 $555,000 $555,000 $0 6.35%
    VALLEJO, CA (FHA|USDA|VA) 2 $550,000 $275,000 $3,314 3.69%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $415,000 $415,000 $4,381 4.38%
    MODESTO, CA (FHA|USDA|VA) 1 $365,000 $365,000 $12,654 5.13%
    MERCED, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.38%
    FRESNO, CA (FHA|USDA|VA) 1 $315,000 $315,000 $4,723 5.00%
    REDDING, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.38%
    Royal Business Bank's top markets include New York, Los Angeles, Riverside, San Francisco, and Chicago among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Royal Business Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The First National Bank of Long Island
    Similarity Rank: 134
    North Jersey Federal Credit Union
    Similarity Rank: 247
    Glenview State Bank
    Similarity Rank: 312
    Liberty Bank for Savings
    Similarity Rank: 312
    Chaffey Federal Credit Union
    Similarity Rank: 345
    N C P D Federal Credit Union
    Similarity Rank: 482
    MOUNTAIN MORTGAGE CORP.
    Similarity Rank: 538
    CROWN MORTGAGE COMPANY
    Similarity Rank: 627
    ALTURA
    Similarity Rank: 628
    AMERITRUST MORTGAGE CORPORATION
    Similarity Rank: 648

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 733 $463,805,000 $632,749 $6,740 4.04%

    For 2020, Royal Business Bank's most frequently originated type of loan was Conventional, with 733 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 409 $273,095,000 $667,714 $7,212 4.37%
    Refi 189 $108,605,000 $574,630 $5,771 3.39%
    Cash Out Refi 85 $54,455,000 $640,647 $7,614 3.78%
    Other 46 $25,510,000 $554,565 $5,615 4.18%
    Home Improvement 4 $2,140,000 $535,000 $0 5.80%

    For 2020, Royal Business Bank's most frequently cited loan purpose was Home Purchase, with 409 originations. The 2nd most popular reason was Refi, with 189 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 611 $369,985,000 $605,540 $6,830 4.17%
    15 Year 66 $22,160,000 $335,758 $6,053 2.61%
    10 Year 18 $30,090,000 $1,671,667 $0 4.93%
    20 Year 18 $6,450,000 $358,333 $6,779 2.85%
    5 Year 10 $10,270,000 $1,027,000 $0 4.95%
    Other 6 $12,530,000 $2,088,333 $0 5.58%
    1 Year 3 $9,235,000 $3,078,333 $0 5.42%
    3 Year 1 $3,085,000 $3,085,000 $0 4.25%

    For 2020, Royal Business Bank's most frequently cited loan duration was 30 Year, with 611 originations. The 2nd most popular length was 15 Year, with 66 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 282 $126,680,000 $449,220
    $2k-3k 84 $31,940,000 $380,238
    $5k+ 64 $42,150,000 $658,594
    $3k-4k 38 $18,320,000 $482,105
    $<1k 16 $11,850,000 $740,625
    $4k-5k 15 $10,235,000 $682,333

    Royal Business Bank's average total fees were $6,830, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 282 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 302 $232,060,000 $768,411
    2.5-3% 155 $66,395,000 $428,355
    3-4% 116 $54,350,000 $468,534
    5-6% 103 $91,895,000 $892,184
    <2.5% 54 $18,340,000 $339,630
    6-7% 3 $765,000 $255,000

    During 2020, Royal Business Bank's average interest rate for loans was 4.17%, while their most frequently originated rate bucket for loans was 4-5%, with 302 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 270 $83,670,000 $309,889 $5,531 3.83%
    $400k-600k 216 $105,320,000 $487,593 $6,721 3.88%
    $600k-1MM 118 $84,810,000 $718,729 $8,104 4.16%
    $1MM+ 82 $183,140,000 $2,233,415 $14,352 4.93%
    $100k-200k 42 $6,470,000 $154,048 $5,471 4.12%
    $100,000 or less 5 $395,000 $79,000 $5,208 4.58%

    2020 saw Royal Business Bank place emphasis on $200k-400k loans with 270 originations, totaling $83,670,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 159 $74,085,000 $465,943 $6,718 4.04%
    $50k-75k 134 $42,730,000 $318,881 $5,616 3.68%
    $75k-100k 119 $46,665,000 $392,143 $5,872 3.78%
    $50k or less 96 $37,200,000 $387,500 $6,216 3.40%
    $250k+ 84 $80,880,000 $962,857 $10,268 4.80%
    $150k-250k 77 $45,205,000 $587,078 $7,394 4.41%

    Royal Business Bank lent most frequently to those with incomes in the $100k-150k range, with 159 originations. The second most popular income band? $50k-75k, with 134 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 125 $67,455,000 $539,640 $6,839 4.27%
    20-30% 99 $51,585,000 $521,061 $7,664 4.13%
    41% 43 $20,065,000 $466,628 $6,173 4.11%
    39% 42 $20,960,000 $499,048 $7,419 4.18%
    <20% 40 $18,810,000 $470,250 $5,858 4.06%
    46% 32 $12,720,000 $397,500 $6,975 3.30%
    37% 32 $13,620,000 $425,625 $7,051 4.45%
    47% 30 $12,080,000 $402,667 $5,828 3.50%
    49% 30 $13,940,000 $464,667 $7,362 3.14%
    40% 29 $18,985,000 $654,655 $7,534 4.14%
    42% 28 $12,220,000 $436,429 $6,498 3.67%
    38% 25 $12,415,000 $496,600 $6,050 3.91%
    43% 24 $9,730,000 $405,417 $5,069 3.43%
    36% 23 $10,045,000 $436,739 $7,723 4.54%
    48% 21 $9,255,000 $440,714 $6,686 2.96%
    45% 18 $9,810,000 $545,000 $5,800 3.57%
    44% 15 $6,855,000 $457,000 $5,803 3.31%
    50-60% 5 $3,075,000 $615,000 $2,106 4.20%
    >60% 1 $505,000 $505,000 $0 5.50%

    Royal Business Bank lent most frequently to those with DTI ratios of 30-36%, with 125 originations. The next most common DTI ratio? 20-30%, with 99 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 604 $279,410,000 $462,599 $6,516 3.90%
    Not applicable 58 $131,850,000 $2,273,276 $0 4.86%
    White 56 $41,750,000 $745,536 $8,353 4.48%
    Not provided 11 $8,345,000 $758,636 $10,229 4.73%
    Black 3 $2,315,000 $771,667 $22,021 5.25%
    American Indian 1 $135,000 $135,000 $0 6.25%

    Approval Rates

    Total approvals of all applications
    95.77%

    Royal Business Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    80.08%

    Royal Business Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 733 $463,805,000 $632,749

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 14 $40,460,000 $2,890,000
    Multifamily:Site-Built 37 $82,475,000 $2,229,054
    Single Family (1-4 Units):Site-Built 682 $340,870,000 $499,809

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 63 $21,425,000 $340,079 $6,250 3.52%
    40-60% 230 $141,350,000 $614,565 $6,619 3.69%
    60-80% 410 $285,900,000 $697,317 $7,051 4.31%
    80-100% 28 $14,840,000 $530,000 $5,087 4.18%
    Under 20% 2 $290,000 $145,000 $5,249 4.38%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Royal Pacific Funding Corporation Conventional home mortgage Closing on a mortgage 1 33.3%
    Royal Pacific Funding Corporation FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    Royal Pacific Funding Corporation FHA mortgage Trouble during payment process 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Royal Business Bank 1015 S. Nogales Street, Unit 121 & 122a Rowland Heights, CA 91748 Full Service B&M $210,293
    Royal Business Bank 1055 Wilshire Blvd. Suite 1200 Los Angeles, CA 90017 Full Service B&M $66,328
    Royal Business Bank 11304 1/2 South Street Cerritos, CA 90703 Full Service B&M $115,315
    Royal Business Bank 123 East Valley Boulevard Suite 101 San Gabriel, CA 91776 Full Service B&M $439,372
    Royal Business Bank 1241 Grand Avenue, Suite K Diamond Bar, CA 91765 Full Service B&M $92,651
    Royal Business Bank 135-34 Roosevelt Avenue Flushing, NY 11354 Full Service B&M $29,435
    Royal Business Bank 14725 Jeffrey Road Irvine, CA 92618 Full Service B&M $35,138
    Royal Business Bank 1912 W Sunset Boulevard Los Angeles, CA 90026 Full Service B&M $27,247
    Royal Business Bank 2105 Sawtelle Blvd. Los Angeles, CA 90025 Full Service B&M $18,924
    Royal Business Bank 2156a South Archer Avenue Chicago, IL 60616 Full Service B&M $30,365
    Royal Business Bank 2323 South Wentworth Avenue Chicago, IL 60616 Full Service B&M $112,447
    Royal Business Bank 23740 Hawthorne Blvd. Suite 103 Torrance, CA 90505 Full Service B&M $116,880
    Royal Business Bank 29 Bowery New York, NY 10002 Full Service B&M $153,873
    Royal Business Bank 3233 S Ashland Ave. Chicago, IL 60608 Full Service B&M $45,696
    Royal Business Bank 3366 E. Thousand Oaks Blvd. Westlake Village, CA 91362 Full Service B&M $59,682
    Royal Business Bank 3919 Spring Mountain Road Las Vegas, NV 89102 Full Service B&M $98,213
    Royal Business Bank 40-48 Main St Flushing, NY 11354 Full Service B&M $77,835
    Royal Business Bank 400 E. Esplanade Drive, Suite 105 Oxnard, CA 93036 Full Service B&M $115,034
    Royal Business Bank 4208 Main Street Flushing, NY 11355 Full Service B&M $62,862
    Royal Business Bank 5503 Eighth Avenue Brooklyn, NY 11220 Full Service B&M $138,669
    Royal Business Bank 5902 Eighth Avenue Brooklyn, NY 11220 Full Service B&M $96,443
    Royal Business Bank 700 West Garvey Avenue Monterey Park, CA 91754 Full Service B&M $141,345
    Royal Business Bank 86-55 Broadway Elmhurst, NY 11373 Full Service B&M $53,062
    Royal Business Bank 901 South Baldwin Avenue Arcadia, CA 91007 Full Service B&M $115,593

    For 2020, Royal Business Bank had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $139,009
    Net interest income $112,321
    Total noninterest income $14,584
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,636
    Trading account gains and fees $0
    Additional Noninterest Income $12,948
    Pre-tax net operating income $56,126
    Securities gains (or losses, -) $209
    Income before extraordinary items $39,053
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $39,053
    Minority interest net income $0
    Net income $39,053
    Sale, conversion, retirement of capital stock, net $37,325
    Net operating income $38,887

    Royal Business Bank's gross interest income from loans was $139,009,000.
    Royal Business Bank's net interest income from loans was $112,321,000.
    Royal Business Bank's fee based income from loans was $1,636,000.
    Royal Business Bank's net income from loans was $39,053,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $26,688
    Provision for credit losses $11,822
    Total noninterest expense $58,957
    Salaries and employee benefits $33,312
    Premises and equipment expense $9,691
    Additional noninterest expense $15,954
    Applicable income taxes $17,282
    Net charge-offs $1,302
    Cash dividends $25,000

    Royal Business Bank's interest expense for loans was $26,688,000.
    Royal Business Bank's payroll and benefits expense were $33,312,000.
    Royal Business Bank's property, plant and equipment expenses $9,691,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,644,042
    Deposits held in domestic offices $2,644,042
    Deposits by Individuals, partnerships, and corporations $2,408,302
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $54,714
    Deposits by Commercial banks and other depository institutions in U.S. $181,026
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $689,825
    Demand deposits $626,120
    Nontransaction accounts $1,954,217
    Money market deposit accounts (MMDAs) $537,905
    Other savings deposits (excluding MMDAs) $129,474
    Total time deposits $1,286,838
    Total time and savings deposits $2,017,922
    Noninterest-bearing deposits $626,120
    Interest-bearing deposits $2,017,922
    Retail deposits $2,028,705
    IRAs and Keogh plan accounts $30,227
    Brokered deposits $17,374
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,349,367
    Cash & Balances due from depository institutions $138,254
    Interest-bearing balances $110,048
    Total securities $218,041
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,783,394
    Loan and leases loss allowance $29,337
    Trading account assets $0
    Bank premises and fixed assets $27,103
    Other real estate owned $293
    Goodwill and other intangibles $88,404
    All other assets $93,878

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,349,368
    Total Liabilities $2,816,396
    Total deposits $2,644,042
    Interest-bearing deposits $2,017,922
    Deposits held in domestic offices $2,644,042
    % insured (estimated) $59
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $150,000
    Subordinated debt $0
    All other liabilities $22,354

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,783,394
    Loan and leases loss allowance $29,337
    Total loans and leases (domestic) $2,812,731
    All real estate loans $2,513,586
    Real estate loans in domestic offices $2,513,586
    Construction and development loans $200,157
    Residential 1-4 family construction $41,649
    Other construction, all land development and other land $158,508
    Loans secured by nonfarm nonresidential properties $680,711
    Nonfarm nonresidential secured by owner-occupied properties $199,939
    Commercial real estate & other non-farm, non-residential $480,772
    Multifamily residential real estate $348,429
    1-4 family residential loans $1,284,289
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $161,991
    To non-U.S. addressees $0
    Loans to individuals $4,079
    Credit card loans $37
    Related Plans $0
    Consumer Auto Loans $4,042
    Other loans to individuals $0
    All other loans & leases $144,237
    Loans to foreign governments and official institutions $0
    Other loans $87,237
    Loans to depository institutions and acceptances of other banks $57,000
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $969
    Non 1-4 family restructured loans & leases $969
    Total loans and leases (foreign) $0

    Royal Business Bank had $2,783,394,000 of loans outstanding in 2020. $2,513,586,000 of loans were in real estate loans. $200,157,000 of loans were in development loans. $348,429,000 of loans were in multifamily mortgage loans. $1,284,289,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $37,000 of loans were in credit card loans. $4,042,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 327 $109,110 $333,670
    Nonfarm, nonresidential loans - <$100k 34 $1,293 $38,029
    Nonfarm, nonresidential loans - $100-250k 60 $7,660 $127,667
    Nonfarm, nonresidential loans - $250k-1MM 233 $100,157 $429,858
    Commercial & Industrial, US addressed loans - <$1MM 707 $67,976 $96,147
    Commercial & Industrial, US addressed loans - <$100k 412 $12,485 $30,303
    Commercial & Industrial, US addressed loans - $100-250k 120 $12,366 $103,050
    Commercial & Industrial, US addressed loans - $250k-1MM 175 $43,125 $246,429