Republic, OH · Cert 9865
FDIC · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.58% | 1.54% | 1.64% | 1.66% | 1.69% | 1.70% | 1.47% | -17 bps | |
| Return on Equity | 11.06% | 10.05% | 9.21% | 9.78% | 9.73% | 9.69% | 9.04% | 7.75% | -203 bps | |
| Net Interest Margin | 3.69% | 3.77% | 4.06% | 4.09% | 4.20% | 4.35% | 4.46% | 4.64% | +54 bps | |
| Efficiency Ratio | 48.54% | 51.17% | 50.62% | 50.04% | 50.70% | 51.28% | 54.34% | 59.93% | +989 bps | |
| Non-Interest Burden | 1.73% | 1.87% | 2.00% | 1.99% | 2.07% | 2.17% | 2.36% | 2.73% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | -0.09% | -0.28% | -2.65% | -1.58% | -4.84% | -2.89% | -5.46% | -282 bps | |
| Loan Growth (YoY) | 1.94% | 5.06% | 3.05% | 3.71% | 4.22% | 1.94% | 2.63% | 1.04% | -267 bps | |
| Deposit Growth (YoY) | -0.45% | -1.76% | 2.03% | 0.44% | -1.69% | -7.57% | -5.26% | -7.98% | -842 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 1.28% | 0.49% | 0.98% | 1.02% | 1.39% | 2.57% | 2.11% | +114 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.19% | 1.19% | 1.18% | 1.17% | 1.17% | 1.16% | 1.17% | -1 bps | |
| Allowance Coverage of NPLs | 1.8x | 0.9x | 2.4x | 1.2x | 1.2x | 0.8x | 0.5x | 0.6x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.31% | 16.29% | 16.37% | 17.16% | 17.80% | 18.62% | 18.21% | 19.06% | +190 bps | |
| Total Risk-Based Capital | 16.31% | 16.29% | 16.37% | 17.16% | 17.80% | 18.62% | 18.21% | 19.06% | +190 bps | |
| Equity / Assets | 16.07% | 16.69% | 16.66% | 16.98% | 17.73% | 18.99% | 18.60% | 19.25% | +227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.25% | 89.40% | 89.39% | 89.92% | 92.50% | 98.60% | 96.84% | 98.73% | +881 bps | |
| Liquid Assets / Assets | 12.07% | 12.19% | 12.78% | 11.92% | 11.87% | 12.35% | 11.30% | 10.25% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |