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 | |