Belleville, KS · Cert 8108 · Republic Bcorp Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Manhattan, KS · 2026 SOD (annual) · 0.4% share · #22 of 22 inst. · $0.0B of $4.5B
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 | 2.52% | 2.45% | 1.62% | 1.88% | 2.17% | 2.11% | 1.50% | 1.76% | -12 bps | |
| Return on Equity | 16.24% | 16.15% | 11.85% | 14.03% | 16.40% | 16.10% | 11.72% | 13.73% | -30 bps | |
| Net Interest Margin | 7.05% | 6.33% | 6.42% | 6.28% | 6.24% | 5.98% | 6.04% | 6.19% | -9 bps | |
| Efficiency Ratio | 60.38% | 60.92% | 64.51% | 61.36% | 57.72% | 58.01% | 58.92% | 58.88% | -248 bps | |
| Non-Interest Burden | 3.91% | 3.56% | 3.90% | 3.57% | 3.24% | 3.14% | 3.29% | 3.38% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.88% | 29.99% | 23.14% | 32.25% | 29.12% | 24.61% | 19.46% | 16.10% | -1,614 bps | |
| Loan Growth (YoY) | 25.09% | 34.48% | 45.44% | 50.67% | 30.20% | 30.38% | 22.18% | 11.86% | -3,880 bps | |
| Deposit Growth (YoY) | 22.13% | 36.10% | 23.92% | 36.96% | 38.01% | 21.37% | 23.51% | 10.98% | -2,597 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.60% | 0.85% | 1.61% | 1.06% | 0.90% | 1.35% | 0.87% | -74 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.40% | 0.00% | -0.15% | -15 bps | |
| Allowance / Loans | 1.41% | 1.31% | 1.33% | 1.31% | 1.22% | 0.97% | 1.19% | 1.36% | +5 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 1.6x | 0.8x | 1.2x | 1.1x | 0.9x | 1.6x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.41% | 14.15% | 14.16% | 13.09% | 13.28% | 13.04% | 13.13% | 13.16% | +7 bps | |
| Total Risk-Based Capital | 22.83% | 21.12% | 20.74% | 19.03% | 19.33% | 20.17% | 16.00% | 16.14% | -288 bps | |
| Equity / Assets | 14.54% | 13.86% | 13.52% | 12.79% | 12.90% | 12.67% | 12.91% | 12.85% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.51% | 104.68% | 108.35% | 108.85% | 105.20% | 112.45% | 107.19% | 109.71% | +86 bps | |
| Liquid Assets / Assets | 0.01% | 0.06% | 0.03% | 0.06% | 0.06% | 0.02% | 0.09% | 0.11% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 407% | 420% | 420% | n/a | n/a | |