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Republic Bank of Chicago

Oak Brook, IL · Cert 19333 · Republic Bcorp Co.

State charter, non-member · FDIC · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Republic Bank of Chicago

Oak Brook, IL · Cert 19333 · Republic Bcorp Co.

State charter, non-member · FDIC · 20 branches

Q2 2026

$2.6BAssets
$1.7BLoans
$2.3BDeposits
$322.2MEquity
Loan mix
62%RE $1.0B38%C&I $0.6B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $1.5B33%Noninterest $0.7BQ2 2025Q2 2026

NIM

5.37%Q2 ’245.36%Q2 ’255.04%Q2 ’26+13%+4%

Non-interest income vs. expense

2.33%Q2 ’242.66%Q2 ’252.90%Q2 ’26+17%-3%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #33 of 147 inst. · $2.3B of $630.7B

0.3% Cook
1.9% DuPage
0.3% Will
0.0% Lake

Executive Summary

  • Earnings: ROA of 1.36%, up 11 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.27% of loans (+69 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.57%, down 96 bps from a year ago.
  • Funding: loans stand at 74.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+15 bps YoY

Efficiency Ratio (YTD, annualized)

61.54%-79 bps YoY

Tier 1 Leverage Ratio

12.57%-96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.30%1.27%1.51%1.36%+11 bps
Return on Equity10.08%10.32%10.00%11.83%10.73%+65 bps
Net Interest Margin3.40%3.45%3.60%3.61%3.55%+15 bps
Efficiency Ratio62.32%61.14%60.51%60.87%61.54%-79 bps
Non-Interest Burden1.80%1.77%1.81%1.68%1.74%-6 bps
Growth
Asset Growth (YoY)-4.07%-8.28%2.83%-4.24%-1.26%+282 bps
Loan Growth (YoY)-10.45%-9.05%-4.02%-7.15%-0.49%+996 bps
Deposit Growth (YoY)1.32%-4.03%4.74%-3.52%0.33%-98 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.85%1.69%1.32%1.27%+69 bps
Net Charge-Offs / Loans0.14%0.12%0.19%0.03%0.02%-12 bps
Allowance / Loans1.33%1.32%1.19%1.18%1.18%-16 bps
Allowance Coverage of NPLs2.3x1.5x0.7x0.9x0.9x-1.4x
Capital
Tier 1 Leverage Ratio13.54%13.76%14.34%12.78%12.57%-96 bps
Total Risk-Based Capital18.32%18.76%18.96%12.78%12.57%-575 bps
Equity / Assets12.74%13.43%13.15%12.41%12.34%-40 bps
Liquidity & Funding
Loans / Deposits74.69%76.03%72.28%74.25%74.08%-62 bps
Liquid Assets / Assets7.29%5.47%9.63%6.47%5.06%-222 bps
CRE / Total Capitaln/a262%257%274%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Republic Bank of Chicago

Oak Brook, IL · Cert 19333 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Republic Bcorp Co.

State charter, non-member · FDIC · 20 branches

Q2 2026

$2.6BAssets
$1.7BLoans
$2.3BDeposits
$322.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 81% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 6 of 31).
  • Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 29 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.36%

Rank 19 of 31

Net Interest Margin

3.55%

Rank 12 of 31

Efficiency Ratio

61.54%

Rank 23 of 31

Equity / Assets

12.34%

Rank 6 of 31

Non-interest income vs. expense

$31.5M$78.4MINCOMEEXPENSE
Unfavorable gap of $46.9M · efficiency ratio beats 29% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 61.54%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%1.15%1.39%1.64%Beats 39%19 / 31
Return on Equity11.05%11.05%13.35%16.66%Beats 23%24 / 31
Net Interest Margin3.55%3.00%3.28%3.75%Beats 61%12 / 31
Efficiency Ratio61.54%37.25%50.71%61.60%Beats 29%23 / 31
Asset Quality
Nonperforming Loans / Loans1.27%0.18%0.41%1.00%Beats 10%29 / 31
Net Charge-Offs / Loans0.03%0.00%0.04%0.11%Beats 68%11 / 31
Capital
Tier 1 Capital Ratio12.57%10.88%11.50%13.72%Beats 68%10 / 31
Total Risk-Based Capital Ratio12.57%11.53%12.02%14.77%Beats 55%14 / 31
Equity / Assets12.34%8.90%10.15%11.24%Beats 81%6 / 31
Liquidity & Funding
Loans / Deposits74.08%80.56%87.67%94.53%6th pctl29 / 31
Loans / Assets64.22%67.81%73.77%76.85%10th pctl28 / 31
Brokered Deposits / Depositsn/aNot reported for this institution