Republicbankaz, National Association
Phoenix, AZ · Cert 58271 · Peer group: banks under $1B in assets (n=547-599)
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 209 of 547).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets (rank 450 of 598).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.60%
Rank 107 of 599
Net Interest Margin
4.45%
Rank 52 of 598
Efficiency Ratio
56.17%
Rank 108 of 598
Equity / Assets
11.22%
Rank 220 of 598
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 82% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.47% | 0.86% | 1.38% | Beats 82% | 107 / 599 | |
| Return on Equity | 14.26% | 4.56% | 8.90% | 12.65% | Beats 81% | 116 / 598 | |
| Net Interest Margin | 4.45% | 2.82% | 3.31% | 3.84% | Beats 91% | 52 / 598 | |
| Efficiency Ratio | 56.17% | 60.53% | 70.73% | 82.91% | Beats 82% | 108 / 598 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.06% | 0.34% | 0.91% | Beats 69% | 169 / 547 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 209 / 547 | |
| Capital |
| Tier 1 Capital Ratio | 11.62% | 11.11% | 13.78% | 18.22% | Beats 29% | 423 / 598 | |
| Total Risk-Based Capital Ratio | 11.62% | 11.62% | 14.42% | 19.14% | Beats 25% | 450 / 598 | |
| Equity / Assets | 11.22% | 8.34% | 10.07% | 12.96% | Beats 63% | 220 / 598 | |
| Liquidity & Funding |
| Loans / Deposits | 92.94% | 60.71% | 77.02% | 90.89% | 79th pctl | 120 / 561 | |
| Loans / Assets | 78.79% | 54.47% | 67.19% | 77.36% | 79th pctl | 113 / 547 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |