Wichita, KS · Cert 4801 · Republic Financial Corp.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Wichita, KS area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
43
Profitability
42
Liquidity
0
Efficiency
30
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.
Wichita, KS · Cert 4801 · Republic Financial Corp.
National charter · OCC · 9 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 1.7% share · #10 of 46 inst. · $0.4B of $23.2B
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 | 0.66% | 0.71% | 0.88% | 0.96% | 0.99% | 1.01% | 0.86% | 0.92% | -4 bps | |
| Return on Equity | 7.47% | 8.00% | 9.45% | 10.27% | 10.39% | 10.64% | 8.83% | 9.43% | -85 bps | |
| Net Interest Margin | 3.50% | 3.61% | 3.90% | 3.97% | 4.01% | 4.06% | 4.03% | 4.18% | +20 bps | |
| Efficiency Ratio | 76.26% | 75.27% | 70.94% | 69.87% | 69.52% | 68.61% | 72.22% | 71.66% | +180 bps | |
| Non-Interest Burden | 2.52% | 2.56% | 2.55% | 2.54% | 2.55% | 2.54% | 2.69% | 2.75% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | -5.56% | -7.09% | -2.91% | -5.79% | -4.13% | -5.18% | -5.73% | -282 bps | |
| Loan Growth (YoY) | -5.75% | -6.31% | -6.84% | -7.92% | -8.15% | -8.61% | -7.47% | -2.51% | +540 bps | |
| Deposit Growth (YoY) | -3.12% | -7.22% | -6.97% | -2.56% | -6.92% | -4.65% | -5.20% | -9.28% | -672 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.29% | 0.16% | 0.14% | 0.16% | 0.08% | 0.11% | 0.08% | -6 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.35% | 0.32% | 0.32% | 0.32% | 0.40% | 0.34% | 0.28% | -4 bps | |
| Allowance / Loans | 0.98% | 0.93% | 0.92% | 0.92% | 0.94% | 0.89% | 0.88% | 0.87% | -6 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.2x | 5.9x | 6.6x | 6.0x | 10.7x | 8.3x | 11.2x | +4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.69% | 9.87% | 10.07% | 10.15% | 9.92% | 10.05% | 10.32% | +25 bps | |
| Total Risk-Based Capital | 9.50% | 9.69% | 9.87% | 10.07% | 10.15% | 9.92% | 10.05% | 10.32% | +25 bps | |
| Equity / Assets | 9.11% | 9.24% | 9.44% | 9.42% | 9.84% | 9.64% | 9.76% | 9.80% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.57% | 103.15% | 104.41% | 99.93% | 100.23% | 98.87% | 101.91% | 107.38% | +745 bps | |
| Liquid Assets / Assets | 3.41% | 2.53% | 1.24% | 5.64% | 6.46% | 6.13% | 2.96% | 1.13% | -451 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 282% | 281% | n/a | n/a | |
Wichita, KS · Cert 4801 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Republic Financial Corp.
National charter · OCC · 9 branches
Q2 2026
Return on Assets
0.92%
Rank 13 of 20
Net Interest Margin
4.18%
Rank 7 of 20
Efficiency Ratio
71.66%
Rank 15 of 20
Equity / Assets
9.80%
Rank 7 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.80% | 1.20% | 1.35% | Beats 35% | 13 / 20 | ||
| Return on Equity | 9.43% | 9.43% | 12.85% | 15.78% | Beats 25% | 15 / 20 | ||
| Net Interest Margin | 4.18% | 3.71% | 4.04% | 4.23% | Beats 65% | 7 / 20 | ||
| Efficiency Ratio | 71.66% | 59.34% | 65.86% | 71.92% | Beats 30% | 15 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.06% | 0.64% | 1.17% | Beats 70% | 7 / 20 | ||
| Net Charge-Offs / Loans | 0.21% | n/a | 0.02% | 0.09% | Beats 15% | 18 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.32% | 11.10% | 11.73% | 15.56% | Beats 10% | 18 / 20 | ||
| Total Risk-Based Capital Ratio | 10.32% | 11.80% | 12.57% | 16.49% | Beats 5% | 19 / 20 | ||
| Equity / Assets | 9.80% | 8.39% | 8.81% | 11.24% | Beats 65% | 7 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.38% | 62.67% | 77.26% | 93.25% | 90th pctl | 2 / 20 | ||
| Loans / Assets | 86.36% | 54.38% | 67.74% | 81.71% | 90th pctl | 2 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||