New Republic Bank
Charlotte, NC · Cert 34860 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (7 in holding)
Q2 2026
$176.3MAssets
$120.4MLoans
$138.0MDeposits
$37.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 70% of banks under $1B in assets operating in a single state (rank 525 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.31%
Rank 23 of 746
Net Interest Margin
3.29%
Rank 525 of 746
Efficiency Ratio
62.44%
Rank 326 of 746
Equity / Assets
21.01%
Rank 29 of 746
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 56% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.31% | 0.72% | 1.06% | 1.45% | Beats 97% | 23 / 746 | |
| Return on Equity | 10.98% | 6.74% | 10.51% | 13.63% | Beats 55% | 339 / 746 | |
| Net Interest Margin | 3.29% | 3.17% | 3.68% | 4.16% | Beats 30% | 525 / 746 | |
| Efficiency Ratio | 62.44% | 55.74% | 64.58% | 75.47% | Beats 56% | 326 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 226 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 31.98% | 11.55% | 13.75% | 17.60% | Beats 96% | 33 / 746 | |
| Total Risk-Based Capital Ratio | 33.20% | 11.71% | 14.33% | 18.43% | Beats 96% | 31 / 746 | |
| Equity / Assets | 21.01% | 8.90% | 10.51% | 13.06% | Beats 96% | 29 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.28% | 61.31% | 78.27% | 90.78% | 69th pctl | 234 / 746 | |
| Loans / Assets | 68.30% | 53.60% | 66.97% | 76.08% | 53rd pctl | 349 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |