Community Reinvestment
Community Reinvestment Act (CRA)
Royal Bank has a firmly established commitment to the communities we serve, which is evidenced in our Community Reinvestment Act (CRA) rating. Our tagline is Your Community Partner and we truly believe in supporting and investing in the communities we serve. We know that what we invest here will be circulated to help keep our communities strong and connected.
We are pleased to provide you with our Community Reinvestment Act data, which can be viewed or printed at your convenience. If you would like hard copies of these materials, please contact your local Royal Bank office or submit a Contact Us form. Please know that a fee may be incurred to cover cost of printing and administration.
Information provided here is current as of April 1 of each year and is subject to periodic updates.
CRA Performance Evaluation
On March 7, 2022, Royal Bank earned a "Satisfactory" Community Reinvestment Act (CRA) rating from the Federal Deposit Insurnace Corporation (FDIC) for the evaluation period of March 11, 2019 to March 7, 2022.
Branch Locations & Hours of Operation
Royal Bank has 21 office locations in communities of southwest Wisconsin.
ATM Locations & Census and County Codes
Royal Bank has a network of bank-owned ATM locations and is a member of the ATM Access Network through the Wisconsin Bankers Association.
Services Offered & Service Fees
A list of all deposit accounts, credit services and additional services offered at all Royal Bank locations are listed by category in our List of Services document.
CRA Facilities-Based Assessment Areas
The Royal Bank assessment areas represent communities and counties we serve.
Average Loans to Deposits (quarterly)
Annual Loan to Deposit ratios are reported quarterly and updated in April of each year.
Home Mortgage Disclosure Act (HMDA) Statement
The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and
publicly disclose loan-level information about mortgages.
publicly disclose loan-level information about mortgages.
Written Comments & Responses
In compliance with the Community Reinvestment Act (CRA), the CRA Public File must contain copies of written comments from the public for the current year or each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet community credit needs.
Royal Bank did not receive any such comments in 2022 or 2023 and has not thus far in 2024.
Branches Opened or Closed
In compliance with the Community Reinvestment Act (CRA), the CRA Public File must contain a list of branches opened or closed by the bank during the current year and each of the prior two calendar years.
Royal Bank did not open or close any branches in 2022 or 2023 and has not thus far in 2024.