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Republicbankaz, National Association

Phoenix, AZ · Cert 58271

FDIC · 4 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=529 to 581). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q1 2025peer median (50)

Asset Quality

85

Q2 2024Q1 2025peer median (50)

Profitability

84

Q2 2024Q1 2025peer median (50)

Liquidity

30

Q2 2024Q1 2025peer median

Efficiency

81

Q2 2024Q1 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Republicbankaz, National Association

Phoenix, AZ · Cert 58271

FDIC · 4 branches

Q1 2025

$284.3MAssets
$224.0MLoans
$241.0MDeposits
$31.9MEquity
Loan mix
61%RE $92.0M36%C&I $53.6M3%Consumer $4.8MQ1 2024Q1 2025
Deposit mix
62%Interest-bearing $149.9M38%Noninterest $91.0MQ1 2024Q1 2025

NIM

4.91%Q1 ’236.00%Q1 ’246.31%Q1 ’25+11%+14%

Non-interest income vs. expense

2.67%Q1 ’232.69%Q1 ’242.68%Q1 ’25+2%-1%

Market Position · Phoenix-Mesa-Chandler, AZ · 2024 SOD (annual) · 0.1% share · #33 of 60 inst. · $0.3B of $171.9B

Executive Summary

  • Earnings: ROA of 1.60%, up 42 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.11% of loans (+1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.62%, up 123 bps from a year ago.
  • Funding: loans stand at 92.94% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

1.60%+42 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+55 bps YoY

Efficiency Ratio (YTD, annualized)

56.17%-759 bps YoY

Tier 1 Leverage Ratio

11.62%+123 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.19%1.30%1.36%1.32%1.60%+42 bps
Return on Equity12.15%13.16%13.58%13.04%14.59%+243 bps
Net Interest Margin3.90%3.92%4.15%4.28%4.45%+55 bps
Efficiency Ratio63.77%60.64%57.93%58.42%56.17%-759 bps
Non-Interest Burden2.37%2.25%2.27%2.36%2.36%-1 bps
Growth
Asset Growth (YoY)10.67%6.13%2.15%3.85%1.83%-884 bps
Loan Growth (YoY)20.77%14.80%15.68%10.36%12.14%-863 bps
Deposit Growth (YoY)10.44%5.19%0.63%9.56%-3.51%-1,395 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.21%0.18%0.19%0.11%+1 bps
Net Charge-Offs / Loans0.00%0.02%0.10%0.09%-0.02%-2 bps
Allowance / Loans1.06%1.06%1.06%1.09%1.09%+3 bps
Allowance Coverage of NPLs11.1x5.0x5.9x5.8x9.9x-1.2x
Capital
Tier 1 Leverage Ratio10.39%10.11%10.67%11.06%11.62%+123 bps
Total Risk-Based Capital10.39%10.11%10.67%11.06%11.62%+123 bps
Equity / Assets9.78%10.04%10.28%10.78%11.22%+144 bps
Liquidity & Funding
Loans / Deposits79.97%80.34%83.26%88.98%92.94%+1,297 bps
Liquid Assets / Assets9.48%10.21%8.09%4.82%4.67%-481 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Republicbankaz, National Association

Phoenix, AZ · Cert 58271 · Peer group: banks under $1B in assets (n=529-581)

FDIC · 4 branches

Q1 2025

$284.3MAssets
$224.0MLoans
$241.0MDeposits
$31.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 195 of 529).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets (rank 439 of 580).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.60%

Rank 109 of 581

Net Interest Margin

4.45%

Rank 51 of 580

Efficiency Ratio

56.17%

Rank 110 of 580

Equity / Assets

11.22%

Rank 208 of 580

Non-interest income vs. expense

$0.9M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 81% of banks under $1B in assets
Bank 56.17%Peer median 70.4%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%0.50%0.87%1.38%Beats 81%109 / 581
Return on Equity14.26%4.66%8.95%12.78%Beats 80%116 / 580
Net Interest Margin4.45%2.81%3.30%3.84%Beats 91%51 / 580
Efficiency Ratio56.17%59.33%70.44%82.06%Beats 81%110 / 580
Asset Quality
Nonperforming Loans / Loans0.11%0.07%0.35%0.92%Beats 70%160 / 529
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%195 / 529
Capital
Tier 1 Capital Ratio11.62%11.13%13.89%18.16%Beats 29%409 / 580
Total Risk-Based Capital Ratio11.62%11.68%14.48%19.13%Beats 24%439 / 580
Equity / Assets11.22%8.37%9.97%12.85%Beats 64%208 / 580
Liquidity & Funding
Loans / Deposits92.94%60.37%76.97%91.33%78th pctl118 / 543
Loans / Assets78.79%54.47%67.15%77.53%79th pctl111 / 529
Brokered Deposits / Depositsn/aNot reported for this institution