Oak Brook, IL · Cert 19333 · Republic Bcorp Co.
State charter, non-member · FDIC · 20 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #33 of 147 inst. · $2.3B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.05% | 1.07% | 1.24% | 1.30% | 1.27% | 1.51% | 1.36% | +11 bps | |
| Return on Equity | 9.15% | 9.38% | 8.78% | 10.08% | 10.32% | 10.00% | 11.83% | 10.73% | +65 bps | |
| Net Interest Margin | 3.05% | 3.15% | 3.27% | 3.40% | 3.45% | 3.60% | 3.61% | 3.55% | +15 bps | |
| Efficiency Ratio | 59.71% | 60.71% | 65.37% | 62.32% | 61.14% | 60.51% | 60.87% | 61.54% | -79 bps | |
| Non-Interest Burden | 1.49% | 1.59% | 1.86% | 1.80% | 1.77% | 1.81% | 1.68% | 1.74% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 0.79% | -4.93% | -4.07% | -8.28% | 2.83% | -4.24% | -1.26% | +282 bps | |
| Loan Growth (YoY) | 8.07% | -3.32% | -5.59% | -10.45% | -9.05% | -4.02% | -7.15% | -0.49% | +996 bps | |
| Deposit Growth (YoY) | 2.74% | 1.31% | 0.56% | 1.32% | -4.03% | 4.74% | -3.52% | 0.33% | -98 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.13% | 4.00% | 4.22% | 0.58% | 0.85% | 1.69% | 1.32% | 1.27% | +69 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.24% | 0.00% | 0.14% | 0.12% | 0.19% | 0.03% | 0.02% | -12 bps | |
| Allowance / Loans | 1.51% | 1.38% | 1.37% | 1.33% | 1.32% | 1.19% | 1.18% | 1.18% | -16 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.3x | 0.3x | 2.3x | 1.5x | 0.7x | 0.9x | 0.9x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.90% | 12.44% | 13.15% | 13.54% | 13.76% | 14.34% | 12.78% | 12.57% | -96 bps | |
| Total Risk-Based Capital | 16.22% | 17.36% | 17.60% | 18.32% | 18.76% | 18.96% | 12.78% | 12.57% | -575 bps | |
| Equity / Assets | 11.14% | 11.99% | 12.32% | 12.74% | 13.43% | 13.15% | 12.41% | 12.34% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.23% | 78.88% | 77.15% | 74.69% | 76.03% | 72.28% | 74.25% | 74.08% | -62 bps | |
| Liquid Assets / Assets | 9.34% | 8.81% | 9.02% | 7.29% | 5.47% | 9.63% | 6.47% | 5.06% | -222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 257% | 274% | n/a | n/a | |