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Republic Banking Company, The

Republic, OH · Cert 9865

FDIC · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2025, the quarter ended June 30, 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 in OH (n=69 to 72). 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

74

Q2 2024Q2 2025peer median (50)

Asset Quality

25

Q2 2024Q2 2025peer median (50)

Profitability

76

Q2 2024Q2 2025peer median (50)

Liquidity

5

Q2 2024Q2 2025peer median

Efficiency

76

Q2 2024Q2 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 2026-10-11

Republic Banking Company, The

Republic, OH · Cert 9865

FDIC · 1 branch

Q2 2025

$59.1MAssets
$47.1MLoans
$47.7MDeposits
$11.4MEquity
Loan mix
83%RE $35.0M8%C&I $3.6M9%Consumer $3.6MQ2 2024Q2 2025
Deposit mix
54%Interest-bearing $25.9M46%Noninterest $21.8MQ2 2024Q2 2025

NIM

4.22%Q2 ’234.99%Q2 ’245.60%Q2 ’25+11%+13%

Non-interest income vs. expense

1.80%Q2 ’232.11%Q2 ’242.86%Q2 ’25+18%+37%

Executive Summary

  • Earnings: ROA of 1.47%, down 17 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 2.11% of loans (+114 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.06%, up 190 bps from a year ago.
  • Funding: loans stand at 98.73% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

1.47%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.64%+54 bps YoY

Efficiency Ratio (YTD, annualized)

59.93%+989 bps YoY

Tier 1 Leverage Ratio

19.06%+190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.64%1.66%1.69%1.70%1.47%-17 bps
Return on Equity9.78%9.73%9.69%9.04%7.75%-203 bps
Net Interest Margin4.09%4.20%4.35%4.46%4.64%+54 bps
Efficiency Ratio50.04%50.70%51.28%54.34%59.93%+989 bps
Non-Interest Burden1.99%2.07%2.17%2.36%2.73%+73 bps
Growth
Asset Growth (YoY)-2.65%-1.58%-4.84%-2.89%-5.46%-282 bps
Loan Growth (YoY)3.71%4.22%1.94%2.63%1.04%-267 bps
Deposit Growth (YoY)0.44%-1.69%-7.57%-5.26%-7.98%-842 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.02%1.39%2.57%2.11%+114 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0 bps
Allowance / Loans1.18%1.17%1.17%1.16%1.17%-1 bps
Allowance Coverage of NPLs1.2x1.2x0.8x0.5x0.6x-0.7x
Capital
Tier 1 Leverage Ratio17.16%17.80%18.62%18.21%19.06%+190 bps
Total Risk-Based Capital17.16%17.80%18.62%18.21%19.06%+190 bps
Equity / Assets16.98%17.73%18.99%18.60%19.25%+227 bps
Liquidity & Funding
Loans / Deposits89.92%92.50%98.60%96.84%98.73%+881 bps
Liquid Assets / Assets11.92%11.87%12.35%11.30%10.25%-167 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 2026-10-11

Republic Banking Company, The

Republic, OH · Cert 9865 · Peer group: banks under $1B in assets in OH (n=69-72)

FDIC · 1 branch

Q2 2025

$59.1MAssets
$47.1MLoans
$47.7MDeposits
$11.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in OH (rank 3 of 72).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets in OH (rank 64 of 69).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.48%

Rank 11 of 72

Net Interest Margin

4.64%

Rank 3 of 72

Efficiency Ratio

59.93%

Rank 18 of 72

Equity / Assets

19.25%

Rank 11 of 72

Non-interest income vs. expense

$0.1M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 76% of banks under $1B in assets in OH
Bank 59.93%Peer median 72.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.47%0.79%1.19%Beats 85%11 / 72
Return on Equity7.66%4.84%8.33%12.55%Beats 47%38 / 72
Net Interest Margin4.64%2.83%3.38%3.75%Beats 96%3 / 72
Efficiency Ratio59.93%60.56%72.45%83.85%Beats 76%18 / 72
Asset Quality
Nonperforming Loans / Loans2.11%0.03%0.23%0.70%Beats 9%64 / 69
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 41%42 / 69
Capital
Tier 1 Capital Ratio19.06%11.57%13.92%20.10%Beats 69%22 / 72
Total Risk-Based Capital Ratio19.06%12.16%14.22%20.10%Beats 68%23 / 72
Equity / Assets19.25%7.97%10.10%13.43%Beats 85%11 / 72
Liquidity & Funding
Loans / Deposits98.73%60.59%74.33%89.98%87th pctl9 / 69
Loans / Assets79.69%55.96%64.16%75.95%83rd pctl12 / 69
Brokered Deposits / Depositsn/aNot reported for this institution