Republic Bank of Chicago
Republic Bank of Chicago reported total assets of $2.6 bn at Q2 2026, down 1.3% from a year earlier. It uses the community bank leverage ratio framework, with a tier 1 leverage ratio of 12.57%, and an estimated 43.58% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): down 1.10 pp on Q1 2026, to 10.73%
- Uninsured share of domestic deposits: up 0.74 pp on Q1 2026, to 43.58%
- Total deposits: up 3.1% on Q1 2026, to $2.3 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Republic Bank of Chicago?
By return on equity (ROE) it moved from 252nd to 312th among 500 banks between Q1 2026 and Q2 2026 (1 = highest).
How large is Republic Bank of Chicago?
At Q2 2026 the bank held $2.6 bn of assets. Deposits were $2.3 bn and net loans and leases $1.7 bn, a loan-to-deposit ratio of 73.21%. Securities of $558.3 mn made up 21.4% of assets.
Total assets rose 47.6% between Q1 2016 and Q2 2026, from $1.8 bn.
How much of its funding is uninsured?
An estimated 43.58% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.74 pp from the previous quarter and +3.29 pp from a year earlier. That share ranks 152nd among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $2.6 bn | -1.3% | 477th of 497 |
| Total deposits | $2.3 bn | +0.3% | 466th of 499 |
| Net loans and leases | $1.7 bn | -0.3% | 477th of 500 |
| Bank equity capital | $322.2 mn | -4.4% | 421st of 498 |
| Tier 1 leverage ratio | 12.57% | -0.96 pp | 75th of 500 |
| Return on equity (ROE) | 10.73% | +0.65 pp | 312th of 500 |
| Net interest margin | 4.12% | +0.27 pp | 114th of 500 |
| Uninsured share of domestic deposits | 43.58% | +3.29 pp | 152nd of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $102,000 | Narrowed by $25,000 | |
| Noncurrent loans to total loans | 1.27% | +0.69 pp | 405th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.11 pp | 139th of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $2.6bn
- Deposits $2.3bn
- Net loans $1.7bn
Capital and securities
The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 12.57% at Q2 2026, -0.96 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 11.69% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $102,000 at Q2 2026, measured as fair value minus amortized cost, equal to 0.0% of bank equity capital. The loss narrowed by $25,000 from a year earlier. The largest unrealized loss on these securities was $529,000 at Q3 2023. Available-for-sale securities showed an unrealized loss of $24.6 mn at Q2 2026; the loss narrowed by $1.8 mn from a year earlier.
Capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 13%
Unrealized gains and losses on securities
- Available for sale -$25mn
- Held to maturity -$102,000
Profitability and loan quality
Return on equity was 10.73% for the year to Q2 2026, annualized, with a return on assets of 1.36% and a net interest margin of 4.12%. The margin was +0.27 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 61.54%. Net income for the year to Q2 2026 was $17.8 mn, up 8.0% on the same period a year earlier. The median return on equity of its size peers was 11.14% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 1.27% of total loans at Q2 2026. Net charge-offs for the year to date were 0.02% of average loans, annualized.
Profitability
- Return on equity 11%
- Net interest margin 4.1%
- Return on assets 1.4%
Compared with banks of similar size
The six banks ranked closest to Republic Bank of Chicago by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Republic Bank of Chicago is 4th by total assets. Its tier 1 leverage ratio of 12.57% compares with a peer median of 11.69%, its return on equity of 10.73% compares with a peer median of 11.14%, and its uninsured share of deposits of 43.58% compares with a peer median of 31.37%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Avidbank | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | $2.6 bn | 13.93% | 7.99% | 35.75% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 11.96%, return on equity 11.14%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Republic Bank of Chicago, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets fell 7.6% to $2.6 bn, deposits fell 2.1% to $2.3 bn and bank equity capital rose 2.4% to $322.2 mn. Over the same period its full-time equivalent staff went from 289 to 301 and its offices went from 19 to 20.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.5 bn | $2.6 bn |
| Total deposits | $2.3 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.2 bn | $2.3 bn | $2.2 bn | $2.3 bn |
| Bank equity capital | $314.8 mn | $317.4 mn | $326.5 mn | $337.0 mn | $348.3 mn | $358.0 mn | $315.0 mn | $322.2 mn |
| Common equity tier 1 (CET1) ratio | 14.97% | 16.15% | 16.40% | 17.20% | 17.66% | 17.85% | not reported | not reported |
| Return on equity (ROE) | 9.15% | 9.38% | 8.78% | 10.08% | 10.32% | 10.00% | 11.83% | 10.73% |
| Uninsured share of domestic deposits | 43.20% | 40.69% | 41.37% | 40.29% | 41.38% | 45.54% | 42.84% | 43.58% |
| Full-time equivalent employees | 289 | 290 | 280 | 285 | 285 | 293 | 294 | 301 |
| Number of offices | 19 | 19 | 19 | 19 | 19 | 19 | 20 | 20 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
The FDIC history records no mergers or acquisitions for Republic Bank of Chicago since Q1 2016, and its total assets never moved more than 25% in one quarter.
Identifiers and sources
- FDIC certificate
- 19333
- Federal Reserve RSSD ID
- 671334
- Head office
- Oak Brook, Illinois
- Holding company
- REPUBLIC BCORP CO (as reported to the FDIC)
- Holding company RSSD ID
- 1201194
- EconoMonitor ID
- EMB-US-000613
Frequently asked questions
What were Republic Bank of Chicago's total assets?
$2.6 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 477th among 497 banks reporting this metric (1 = highest).
Is Republic Bank of Chicago the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 19333). Its holding company, REPUBLIC BCORP CO (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Republic Bank of Chicago files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 19333, and in the Call Reports filed under RSSD ID 671334 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.