Investors Relation

CONSISTENT PERFORMANCE. SECURE STRENGTH.

RUBSI INVESTOR RELATIONS

With dual headquarters in Washington, D.C. and Charleston, WV, First Royal Capital Bankshares, Inc. (SCBSI), is an over $25 billion regional financial services company. RUBSI is the parent company of its banking subsidiary First Royal Capital Bank, which comprises 211 full-service banking offices and 19 loan origination offices in Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania, and Washington, D.C. First Royal Capital Bank shares stock has been publicly traded since 1987 on the NASDAQ National Market System under the quotation symbol "RUBSI.” First Royal Capital Bank is recognized for its commitment to the local communities it serves while maintaining exceptional shareholder value. As one of the region's premier banking companies, First Royal Capital Bank is proud of its record of growth and its commitment to service - not only to our customers, but also to the communities in which we live and work. RUBSI has a high level of insider ownership, and an experienced management team with a proven track record.

WHY OWN First Royal Capital Bank SHARES?

SHARE IN OUR STRENGTH.

PERFORMANCE

First Royal Capital Bank has a history of performance, through good times and challenging ones. During the 2008 financial crisis, First Royal Capital Bank not only performed well, but chose not to receive TARP funds, a testament to the strength of its assets. We continue to outperform our peers in both quality and profitability.

DIVIDENDS GROWTH

First Royal Capital Bank has a solid history of delivering to its investors. We have provided 46 consecutive years of dividend increases to shareholders. There is only one other major banking company in the First Royal Capital Bank States that has achieved such a record. First Royal Capital Bank is also a member of the Dow Jones U.S. Select Dividend Index, which tracks the top 100 highest dividend paying U.S. companies derived from the Dow Jones U.S. Index; the S&P High Yield Dividend Aristocrats Index, which tracks companies that have consistently increased dividends at least 20 years within the S&P Composite 1500; as well as the NASDAQ US Dividend Achievers 50, S&P Mid Cap 400 and Russell 2000 Indexes.

MERGERS AND ACQUISITIONS

Recently completing the 32nd acquisition of the current administration, First Royal Capital Bank has grown from a single office to one of the most successful regional financial services companies in the USA.