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See the Presentation and Photos from the

2023 Economic Forecast Breakfast!

2023 Economic Forecast Breakfast PowerPoint Presentation

See Photos from the 2023 Event:


View recordings from past Economic Forecast Breakfasts!


Full Event Recording

PowerPoint Presentation


Full Event Recording

PowerPoint Presentations:
Robert Hardcastle
Ron Ameln
Dr. William Emmons*

*Dr. Emmons discussed the Economic Outlook for 2022 on his blog Take Five with Bill Emmons.


Our branch at Habitat for Humanity in St. Louis is now open 5 days a week!

Visit our location at 3830 South Grand Boulevard for all your banking needs!

Lobby and Interactive Teller Machine Hours of Service (effective October 10, 2023):

Monday – Thursday: 9:00 a.m. – 4:00 p.m.

Friday: 9:00 a.m. – 5:00 p.m.

Saturday: Closed

*No cash on hand

a blue sign with white text reading "royal banks of missouri" against its gold and white crown logo. the logo is placed on a white wall above a gray floor at the habitat for humanity building in south saint louis city.
the outside of the Habitat for Humanity office building in south saint louis, with a blue and white royal banks of missouri logo on the front. the front of the building has windows down the stretch with green bushes sitting beneath them, adjacent to the parking lot. A blue sky with light clouds is behind the building.

Announcing our Fall 2023 Staff Promotions!

We are proud to recognize the following members of our team on their new positions.

2023 Lubin-Green-Cohen-Kiem Scholarship

Six $1,500 Scholarships were awarded to students in the St. Louis, Northeast Missouri, Granite City, & Jerseyville Areas.

Congratulations to the 2023 Recipients! Please watch for information about the 2024 Scholarship Application.



Logan Meisner – Jerseyville





Isabella Wilmsmeyer – Granite City





Ash DeVaughan & Lucas Kristof – St. Louis (Not Pictured: Candace Weeden)





Adelynn Palmer, Northeast Missouri

University City Branch Construction Update

We are renewing our commitment to University City by reinvesting in our corporate headquarters.


Effective Monday, June 12, 2023, our University City location (8021 Olive Boulevard, St. Louis, MO 63130) will be operating out of a temporary building as construction begins on our new headquarters.

Our branch staff and Interactive Teller Machines will remain available throughout construction for all your banking needs. Call us at (314)-212-1500 with any questions.

Lobby Hours

Monday – Thursday          9:00 a.m. – 4:00 p.m.

Friday                                  9:00 a.m. – 5:00 p.m.

Saturday                             Closed

ITM Hours

Monday – Friday                 8:00 a.m. – 7:00 p.m.

Saturday                               9:00 a.m. – 2:00 p.m.


First Republic Bank Response: A message from President and CEO Mitchell P. Baden

I wanted to take a moment to discuss this weekend’s bank failure at First Republic Bank. All First Republic Bank deposits remain fully insured and all principal and interest will be paid to the depositors. All of First Republic deposits and a good portion of its loan portfolio were purchased by JP Morgan Chase. There is a consistent trend in all three recent bank failures. These banks became illiquid. They did not fail due to loan quality. Management at all three organizations did not anticipate the rapid rise in interest rates. These banks experienced significant deposit loss and were not able to meet the cash needs of their deposit clients or provide loan advances. I can assure you; your deposits remain safe at Royal Banks of Missouri. Our management team will remain vigilant to market conditions and will continue to practice conservative banking principles.

Management at Royal Banks of Missouri has continually monitored the bank’s cash position. Our conservative investment and loan decisions have allowed the bank to build liquidity during the first quarter of 2023. Royal has continued to maintain our deposit base and further increased liquidity in April. The bank’s liquidity is well over $80 million dollars and growing. We know it is an honor to provide financial services in all our communities. We will continue to provide updates on the banking environment and how Royal is managing through these turbulent times.

Please contact your relationship banker or me if you have any questions or concerns.

Mitchell P. Baden
Royal Banks of Missouri
President & Chief Executive Officer
Office Phone: (314) 212-1656


Silicon Valley & Signature Bank Closure Response: A message from President and CEO Mitchell P. Baden

As a community bank leader reading the news on the closure of Silicon Valley Bank and Signature Bank, I am truly disappointed in the executive decisions made at both organizations. Silicon Valley Bank was concentrated heavily in startup technology companies funded by venture capitalists. Signature Bank invested heavily in long term assets that provided low yielding returns in a rising rate environment. I can assure you Royal Banks of Missouri manages asset quality and liquidity every day! We have not made the same choices! You need to know your deposits are secure and available when you need them. They are!

You have entrusted your banking needs at one of the safest banks in the country.

  • First and foremost, Royal Banks of Missouri has no deposit accounts or loans at Silicon Valley Bank or Signature Bank.
  • Royal Banks of Missouri is considered an excellent or superior from the four major outside rating agencies.
  • Your bank has strong liquidity with very significant investable balances.
  • The Bank has a very strong capital base and is a top performing bank. Our capital position is far in excess of the regulatory capital requirements and is considered “well-capitalized”.
  • The bank has had no need for additional liquidity. In fact, Royal has had no borrowings in three (3) years.
  • Royal Banks does not engage in venture capital banking or cryptocurrency banking. Our primary focuses are commercial real estate, manufacturing, distribution, and professional services.
  • We have grown responsibly with a diverse client base consisting of privately held, well established businesses within our geographically diverse core markets, along with a stable consumer base.

We are proud of the company we have built, and we will never falter in our steadfast commitment to sound conservative risk management practices. If you have any concerns or questions, please contact your relationship banker or me.

Mitchell P. Baden

President and Chief Executive Officer

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