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
Unfavorable gap of $1.6M · efficiency ratio beats 76% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.47% | 0.79% | 1.19% | Beats 85% | 11 / 72 | |
| Return on Equity | 7.66% | 4.84% | 8.33% | 12.55% | Beats 47% | 38 / 72 | |
| Net Interest Margin | 4.64% | 2.83% | 3.38% | 3.75% | Beats 96% | 3 / 72 | |
| Efficiency Ratio | 59.93% | 60.56% | 72.45% | 83.85% | Beats 76% | 18 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.11% | 0.03% | 0.23% | 0.70% | Beats 9% | 64 / 69 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 41% | 42 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 19.06% | 11.57% | 13.92% | 20.10% | Beats 69% | 22 / 72 | |
| Total Risk-Based Capital Ratio | 19.06% | 12.16% | 14.22% | 20.10% | Beats 68% | 23 / 72 | |
| Equity / Assets | 19.25% | 7.97% | 10.10% | 13.43% | Beats 85% | 11 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 98.73% | 60.59% | 74.33% | 89.98% | 87th pctl | 9 / 69 | |
| Loans / Assets | 79.69% | 55.96% | 64.16% | 75.95% | 83rd pctl | 12 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |