ROYAL BANK OF CANADA SEC Filings

Royal Bank of Canada is offering three separate Auto-Callable Contingent Coupon Barrier Notes linked to the common stock of Freeport-McMoRan, Halliburton and UnitedHealth. The offerings show aggregate public offering amounts of $1,216,000, $613,000 and $1,909,000 respectively.

Key commercial terms: Trade Date February 13, 2026, Issue Date February 19, 2026, Valuation Date February 13, 2029 and Maturity Date February 16, 2029. Contingent Coupon Rates per annum are 10.00% (FCX), 10.25% (HAL) and 10.50% (UNH). Initial Underlier Values and Barrier levels: FCX initial $62.84 with Barrier $31.42 (50%), HAL initial $33.96 with Barrier $22.07 (65%), UNH initial $293.19 with Barrier $205.23 (70%).

Payments: quarterly contingent coupons payable only if each Coupon Observation Date meets the Coupon Threshold; unpaid coupons carry forward (“memory”) until paid. Notes are auto-called if the Underlier equals or exceeds the Initial Underlier Value on Call Observation Dates. At maturity, if Final Underlier Value is below the Barrier, principal is reduced by the Underlier Return and investors may lose a substantial portion or all principal. All payments are subject to the issuer’s credit risk.

Royal Bank of Canada offers Auto-Callable Contingent Coupon Barrier Notes linked to the least performing of the EURO STOXX® Banks Index and the State Street® Technology Select Sector SPDR® ETF. The Notes are being offered at 100.00% of principal with proceeds to the issuer of 99.00% and a 1.00% underwriting discount.

The Notes pay a contingent quarterly coupon of $42.50 per $1,000 (equivalent to 4.25% per quarter / 17.00% per annum) when each Underlier is at or above its Coupon Threshold on the preceding observation date, are auto-callable if both Underliers are at or above their Initial Underlier Values on a Call Observation Date, and mature on February 23, 2029 with principal repayment linked to the Final Underlier Value of the least performing Underlier and a Barrier set at 75% of each Initial Underlier Value.

Royal Bank of Canada is offering Redeemable Fixed Rate Notes due February 27, 2046 with an annual interest rate of 5.10%, an Issue Date of February 27, 2026 and annual interest payments each February 27 beginning February 27, 2027. The Notes are callable by the issuer on any Call Date beginning on February 27, 2031, subject to 10 business days’ prior written notice.

The Notes are subject to Canadian bail-in powers under the CDIC Act; holders are deemed to consent to possible conversion into common shares under that regime. Payments are subject to the Bank’s credit risk. Pricing shows per-note public price between $965.00 and $1,000.00 per $1,000 principal amount, with underwriting concessions up to $35.00 per $1,000.

Royal Bank of Canada is offering Redeemable Fixed Rate Notes due February 27, 2031. The Notes pay 4.10% interest per annum, payable semiannually beginning on August 27, 2026. The Issue Date is February 27, 2026 and the Notes are callable by the issuer on the Interest Payment Date scheduled for February 27, 2028 and each Interest Payment Date thereafter, with at least 10 business days' prior written notice.

Minimum investment is $1,000 and denominations are in multiples of $1,000. RBCCM is the underwriter and calculation agent. Initial purchase prices range between $987.50 and $1,000.00 per $1,000 principal amount, with underwriting concessions up to $12.50 per $1,000. The Notes are subject to Canadian bail-in powers under the CDIC Act and are not deposit-insured.

Royal Bank of Canada offers Auto-Callable Contingent Coupon Barrier Notes linked to Blackstone Inc. common stock. The Notes are sold at 100.00% of principal with an underwriting discount of 1.50% and an initial estimated value expected between $914.50 and $964.50 per $1,000 principal amount.

The Trade Date is February 27, 2026, Issue Date is March 4, 2026, Valuation Date is March 29, 2027 and Maturity Date is April 1, 2027. The Notes pay a contingent monthly coupon of $7.708 per $1,000 (equivalent to 9.25% per annum) when the Underlier meets the Coupon Threshold, feature monthly automatic call observations beginning on the sixth monthly observation, and deliver cash or shares at maturity depending on whether the Final Underlier Value is below the Barrier (set at 60% of the Initial Underlier Value).

Royal Bank of Canada is issuing $5,185,000 of Issuer Callable Contingent Coupon Buffer Notes with Memory Coupon linked to the Bloomberg US Large Cap VolMax Index, maturing on February 18, 2031. The notes pay a monthly contingent coupon of $10.333 per $1,000 (12.40% per annum) when the index closes at or above 60% of its initial level on the observation date.

The bank can call the notes at its discretion on monthly call dates starting February 18, 2027, paying $1,000 per note plus any due and unpaid coupons. If held to maturity and not called, principal is fully repaid when the final index value is at least 80% of the initial level, but investors incur losses beyond this 20% buffer, with substantial principal at risk. The initial estimated value is $982.88 per $1,000, below the public offering price, reflecting fees and hedging costs.

Royal Bank of Canada is offering autocallable structured notes linked to the SPDR S&P Biotech ETF (XBI), maturing February 26, 2029. Each note has a $10 principal amount and is a senior unsecured obligation of RBC, fully subject to its credit risk and not insured by deposit insurance.

The notes may be automatically called if XBI is at or above the $123.18 Call Level on observation dates in 2027, 2028, or 2029, paying fixed Call Amounts per unit of $11.602, $13.204, or $14.806, respectively. If never called and XBI finishes below the $123.18 Threshold Value, investors lose principal on a 1:1 basis, with downside fully exposed. The initial estimated value is $9.74 per unit, below the $10 public offering price due to RBC’s internal funding rate, underwriting discounts, and a $0.05 per-unit hedging-related charge. Investors forgo interest and dividends and face concentrated biotechnology sector risk and limited secondary liquidity.

Royal Bank of Canada is issuing auto-callable contingent coupon barrier notes linked to the weaker of the XLK and XOP ETFs in a $750,000 offering. Investors pay 100% of principal, while RBC expects net proceeds of 99%, or $742,500, before hedging.

The notes can auto-call quarterly if both ETFs are at or above their initial values, paying back principal plus a contingent coupon of $43.375 per $1,000 (4.3375% per quarter, 17.35% per year). If not called, maturity is in February 2029.

Principal is protected only if the worst-performing ETF finishes at or above 80% of its initial value; below this barrier, repayment is reduced one-for-one with the loss in the least performing ETF, and investors can lose most or all of their investment. The initial estimated value of $977.66 per $1,000 is below the public offering price, reflecting fees, funding, and hedging costs.

Royal Bank of Canada is offering Autocallable Strategic Accelerated Redemption Securities® (STARs) linked to an international equity index basket, due February 26, 2029. The offering is priced at $10.00 per unit for a total public offering of $23,763,500.00, with an initial estimated value of $9.76 per unit as of the pricing date.

The notes are senior unsecured obligations of RBC, expose investors to RBC credit risk, are subject to automatic early call on specified Observation Dates, and may return less than principal at maturity if the Ending Value is below the Threshold Value. Fees include a $0.20 underwriting discount and a $0.05 hedging-related charge; the Threshold Value and Call Level equal the Starting Value of 100.00.