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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

$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

5.36%Q2 ’245.42%Q2 ’255.16%Q2 ’26+19%+3%

Non-interest income vs. expense

2.31%Q2 ’242.64%Q2 ’252.91%Q2 ’26+13%+8%

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 1.22%, down 20 bps year over year; NIM at 3.63%.
  • 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 (quarter, annualized)

1.22%-20 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+10 bps YoY

Efficiency Ratio (quarter, annualized)

62.21%+269 bps YoY

Tier 1 Leverage Ratio

12.57%-96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.41%1.21%1.51%1.22%-20 bps
Return on Equity11.35%10.79%9.09%11.83%9.85%-150 bps
Net Interest Margin3.52%3.62%3.85%3.61%3.63%+10 bps
Efficiency Ratio59.52%58.97%58.78%60.87%62.21%+269 bps
Non-Interest Burden1.73%1.74%1.84%1.68%1.86%+13 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 / Loans0.28%0.08%0.40%0.03%0.02%-26 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