Institution profile

Royal Bank

Bank · Active · Headquarters: Elroy, WI

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: Royal Bank
Display name: Royal Bank
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: April 30, 1932
Charter class: State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: Elroy, WI, 53929, United States
Website: http://www.royalbank-usa.com
FDIC certificate number: 13454
Federal Reserve RSSD ID: 532042
Domestic location count: 21
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FDIC
Institution type: Non-member Bank
Primary activity: NAICS 52211
FDIC certificate: 13454
Federal Reserve RSSD ID: 532042
LEI: 549300YKMWXBZEEA1471
Headquarters: 202 Main Street, Elroy, WI, 53929, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 20 of 20 listed locations

StateCity or branch

Scroll sideways to see every branch column.

Showing 1 through 20 of 20 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
ADAMS BRANCH	185 South Main Street	Adams	WI	53910
AVOCA BRANCH	102 North 4th Street	Avoca	WI	53506
CAMP DOUGLAS BRANCH	201 Main Street	Camp Douglas	WI	54618
CASSVILLE BRANCH	201 East Ameila Street	Cassville	WI	53806
CAZENOVIA BRANCH	110 East Main Street	Cazenovia	WI	53924
COBB BRANCH	104 West Main Street	Cobb	WI	53526
DICKEYVILLE BRANCH	100 Splinter Avenue	Dickeyville	WI	53808
ENDEAVOR BRANCH	551 South Church Street	Endeavor	WI	53930
GAYS MILLS BRANCH	114 State Highway 171	Gays Mills	WI	54631
HILLSBORO BRANCH	731 Water Avenue	Hillsboro	WI	54634
LAVALLE BRANCH	210 West Main Street	La Valle	WI	53941
LANCASTER BRANCH	142 Highway 61 North	Lancaster	WI	53813
LONE ROCK BRANCH	252 South Oak Street	Lone Rock	WI	53556
MAUSTON BRANCH	523 Gateway Avenue	Mauston	WI	53948
NEW LISBON BRANCH	201 East Bridge Street	New Lisbon	WI	53950
OXFORD BRANCH	107 East Ormsby Street	Oxford	WI	53952
PRAIRIE DU CHIEN BRANCH	37464 U.s. Highway 18	Prairie Du Chien	WI	53821
RICHLAND CENTER BRANCH	101 East Court Street	Richland Center	WI	53581
SPRING GREEN BRANCH	152 South Worcester Street	Spring Green	WI	53588
VIROQUA BRANCH	311 North Main Street	Viroqua	WI	54665

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: July 1, 2025
Regulator: FDIC
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
July 1, 2025	Satisfactory	FDIC	Intermediate Small Bank
July 1, 2022	Satisfactory	FDIC	Intermediate Small Bank
July 1, 2019	Satisfactory	FDIC	Intermediate Small Bank
October 1, 2016	Satisfactory	FDIC	Intermediate Small Bank
September 1, 2013	Satisfactory	FDIC	Intermediate Small Bank
October 6, 2008	Satisfactory	FDIC	Small Bank
September 1, 2003	Satisfactory	FDIC	Small Bank
November 1, 1998	Satisfactory	FDIC	Small Bank
August 1, 1996	Outstanding	FDIC	Small Bank
November 1, 1994	Satisfactory	FDIC	Not Reported
July 1, 1992	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

6 FFIEC NIC history events

Showing 1 through 6 of 6 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
July 15, 2017	Charter Discontinued (Merger or Purchase & Assumption)	—
February 12, 2011	Failure - Government Assistance Provided	BADGER STATE BANK
April 14, 2007	Sale of Assets	ACUITY BANK
July 1, 1998	Charter Discontinued (Merger or Purchase & Assumption)	—
July 1, 1998	Charter Discontinued (Merger or Purchase & Assumption)	—
April 1, 1992	Charter Discontinued (Merger or Purchase & Assumption)	—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

2 FFIEC NIC relationship records

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
Direct relationship	ROYAL INVESTMENTS-ELROY, INC.	Domestic Entity Other	Las Vegas, NV
ROOT_INSTITUTION	ROYAL BANK	Non-member Bank	Elroy, WI

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered nonmember bank