Republic Bank of Chicago
Republic Bank of Chicago reported total assets of $2.6 bn at Q2 2026, down 1.3% on a year earlier, the 477th largest of 497 banks in our US coverage. Republic Bank of Chicago uses the community bank leverage ratio framework, with a leverage ratio of 12.57%. Republic Bank of Chicago held deposits of $2.3 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Republic Bank of Chicago slipped from 271st to 405th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Republic Bank of Chicago apart
How large is Republic Bank of Chicago?
The balance sheet of Republic Bank of Chicago at : assets $2.6 bn, deposits $2.3 bn, net loans $1.7 bn (loans equal to 73.21% of deposits). Securities make up 21.4% of total assets at Republic Bank of Chicago. Since , when Republic Bank of Chicago held $1.8 bn, its assets grew 47.6%. In the year to , deposits at Republic Bank of Chicago rose 0.3% while its total assets fell 1.3%. At , Republic Bank of Chicago employed 301 full-time equivalent staff across 20 offices, about $8.7 mn of assets per employee and $113.2 mn of deposits per office.
How much funding at Republic Bank of Chicago is uninsured?
At Republic Bank of Chicago, uninsured deposits (above the FDIC limit) made up 43.58% of domestic deposits at (+3.29 pp on a year earlier); Republic Bank of Chicago ranks 152nd of 500 on this measure. In dollars, Republic Bank of Chicago estimated $986.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +0.3% | 466th of 499 |
| Net loans and leases | $1.7 bn | -0.3% | 477th of 500 |
| Loan-to-deposit ratio | 73.21% | -0.49 pp | 400th of 500 |
| Net interest margin | 4.12% | +0.27 pp | 114th of 500 |
| Return on assets (ROA) | 1.36% | +0.11 pp | 218th of 500 |
| Efficiency ratio | 61.54% | -0.79 pp | 353rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $102,000 | Narrowed by $25,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.6 mn | Narrowed by $1.8 mn | |
| 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 of Republic Bank of Chicago: 1 = highest unless marked 1 = lowest.
Balance sheet
Republic Bank of Chicago: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.3bn
- Net loans $1.7bn
Capital and securities
Republic Bank of Chicago uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 12.57% in . Equity capital of Republic Bank of Chicago at : $322.2 mn, or 12.3% of total assets.
On held-to-maturity securities, Republic Bank of Chicago carried an unrealized loss of $102,000 at , equal to 0.0% of equity capital. The loss narrowed by $25,000 over the year. Its deepest point: $529,000 in . The available-for-sale portfolio of Republic Bank of Chicago showed an unrealized loss of $24.6 mn at ; the loss narrowed by $1.8 mn over the year.
Republic Bank of Chicago: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 13%
Republic Bank of Chicago: unrealized securities gains and losses
- Available for sale -$25mn
- Held to maturity -$102,000
Profitability and loan quality
For the year to , Republic Bank of Chicago earned a return on equity of 10.73%; return on assets: 1.36%. Net interest margin at Republic Bank of Chicago: 4.12%, +0.27 pp in a year. Republic Bank of Chicago net income: $17.8 mn, up 8.0% year on year. The efficiency ratio of Republic Bank of Chicago was 61.54%: about 62 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 1.27% of total loans at Republic Bank of Chicago; net charge-offs: 0.02% of average loans. Gross loans and leases at Republic Bank of Chicago: $1.7 bn, down 0.5% in a year.
Republic Bank of Chicago: profitability
- Return on equity 11%
- Net interest margin 4.1%
- Return on assets 1.4%
Peer group of Republic Bank of Chicago
The peer group of Republic Bank of Chicago is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Republic Bank of Chicago (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Republic Bank of Chicago shows return on equity 10.73% against a peer median of 11.14% and uninsured deposit share 43.58% against a peer median of 31.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
| One Community Bank | State member bank | WI | $2.6 bn | not reported | 10.55% | 26.99% | |
| Republic Bank of Chicago | State nonmember bank | IL | $2.6 bn | not reported | 10.73% | 43.58% | |
| North Shore Bank | State-chartered stock savings bank | WI | $2.6 bn | not reported | 6.72% | 11.80% | |
| Fidelity Bank & Trust | State nonmember bank | IA | $2.6 bn | 10.67% | 12.72% | 41.01% | |
| Dedham Institution for Savings | State-chartered stock savings bank | MA | $2.6 bn | 13.93% | 7.99% | 35.75% | |
. FDIC Call Reports.
Last eight quarters
Two years at Republic Bank of Chicago, to : assets -7.6%, deposits -2.1%, equity +2.4%. Staff 289 to 301; offices 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 |
| 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 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Republic Bank of Chicago appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Republic Bank of Chicago?
Republic Bank of Chicago reported $2.6 bn at in its Call Report. That makes Republic Bank of Chicago the 477th largest of 497 banks in our US coverage.
Is Republic Bank of Chicago the same as its holding company?
No. This page covers Republic Bank of Chicago, FDIC certificate 19333; REPUBLIC BCORP CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Republic Bank of Chicago profitable?
Republic Bank of Chicago reported net income of $17.8 mn for the year to ; annualized return on equity: 10.73%. So yes: Republic Bank of Chicago made a profit over these months.
When is data for Republic Bank of Chicago next updated?
Figures from Republic Bank of Chicago for are due after .
Where can I check the figures for Republic Bank of Chicago?
In the FDIC BankFind Suite record for certificate 19333, and in the Call Reports of Republic Bank of Chicago (RSSD ID 671334) at the FFIEC Central Data Repository.