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Republic Bank of Chicago
Oak Brook, IL·FDIC Cert #19333·Charter: STATE·Est. 19641201.0·HC: REPUBLIC BCORP CO
Total Assets
$2.7B
Q4 2025
Return on Assets
1.27%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.51%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%-0.03
ROE
10.00%-0.32
Efficiency
60.51%-0.63
Equity/Assets
0.00%+0.00
NPL Ratio
1.71%+0.84
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.42%-3.61
Charge-offs
0.19%+0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.0 | 1.0 | 1.0 | 1.1 | 1.2 | 1.3 | 1.3 |
| ROE | 10.4 | 8.8 | 9.2 | 9.4 | 8.8 | 10.1 | 10.3 | 10.0 |
| Efficiency | 60.6 | 61.1 | 59.7 | 60.7 | 65.4 | 62.3 | 61.1 | 60.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 2.9 | 3.2 | 4.1 | 4.3 | 0.6 | 0.9 | 1.7 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.2 | -0.0 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 81.1 | 83.3 | 79.0 | 77.8 | 76.1 | 73.7 | 75.0 | 71.4 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.3B
Total Loans$1.7B
Total Equity$358.3M
Profitability
ROA1.27%
ROE10.00%
Efficiency Ratio60.51%
Net Income$33.7M
Risk & Asset Quality
NPL Ratio1.71%
Charge-off Rate0.19%
Loan/Deposit71.42%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans