# REPUBLIC BANK OF CHICAGO
OAK BROOK, IL · FDIC certificate 19333 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.61B | |
| Deposits | $2.26B | |
| Loans and leases | $1.68B | |
| Total equity | $322.2M | |
| Loans / deposits | 73.21% (p21 of band) | 87.10% |
| Liquid assets / assets | 32.28% (p79 of band) | |
| Uninsured deposits / deposits | 43.58% (p81 of band) | 30.76% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 0.39% (p19 of band) | |
| FHLB advances / assets | 0.19% | |
| Tier 1 leverage | 12.57% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | -7.67% (p51 of band) | -7.75% |
| AOCI / equity | -0.60% (p30 of band) | |
| ROA (annualized) | 1.36% (p59 of band) | 1.26% |
| Net interest margin | 4.12% (p74 of band) | 3.70% |
| Efficiency ratio | 61.54% (p58 of band) | |
| Noncurrent loans | 1.27% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 92.36% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 78.90% (p78 of band) | |
| Auto loans | $29,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 301 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | charge-offs p90 |  |
| 2012-03 | 4 | noncurrent p90, deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | noncurrent p90 |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 3 | wholesale funding >15%, capital falling | noncurrent p90 |
| 2015-03 | 4 | noncurrent p90, uninsured deposits leaving | wholesale funding >15% |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 4 | construction >100% equity |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 1 |  | noncurrent p90, construction >100% equity, capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | capital falling, losing money, construction >100% equity |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | losing money |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | deposits shrinking |  |
| 2020-03 | 3 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 2 |  | reserve under noncurrent |
| 2021-06 | 4 | uninsured deposits >50%, charge-offs p90 |  |
| 2021-09 | 2 | capital falling | construction >100% equity, noncurrent p90, charge-offs p90 |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 | noncurrent p90 | uninsured deposits >50% |
| 2022-06 | 2 | construction >100% equity, assets shrinking | noncurrent p90 |
| 2022-09 | 2 | uninsured deposits >50% | assets shrinking |
| 2022-12 | 1 |  | uninsured deposits >50% |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | deposits shrinking |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 0 |  | noncurrent p90, reserve under noncurrent, construction >100% equity |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 1 | reserve under noncurrent | assets shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-12 [After Successful Pilot, Republic Bank of Chicago Expands AI Partnership with Sympera - PR Newswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOY25JbG00U1NsNEhVb0tvekt2aUNFcmRrWjFDdWZiU0xteHdZb1BfYXFmUW01U3FZdThNYktGVDd1dHFuRVBscV9sUXRaNVA4a1ZHZTBSazh0R25GSTJoa29hM3NVbWk1M2tyQUtjbGJ2Z0FBMTN2Z2NERHgwa2FsQnUwcnVpeXhrRG0tc1l0Q1ZOMjNUODZnc1ZuRGc2d3BJVVl3YWZ3RXFDcEJlNm03dW92a1ZWOGZtY1RqRDR3aDhhMHU1ZzN4QTlFN0o1NDdxc3NZTC1B?oc=5) · PR Newswire
- 2026-03-24 [Bank opens branch in Mt. Greenwood - The Beverly Review](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUzJsbGRoZVJKdkE1WFFIV3NyVG1fWXVGQzJzWkxvU0Q0UGV0UzV3aGNBaW5tdjhxOFFTcWhwQkt3VHlXUTFPWXpnQmxpMGFZck5hVzNIbzJsUGRfRWFlY1NwYmNmUFFhejQzYmgwWEEtRGwzbFU2NDVOZWZ5aTJ4Y1N0aXkxLU9ENnEtZ25hb3lSZ1EyMy1RU1ZCd2RZdXVK?oc=5) · The Beverly Review
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-01 [Oliver Sabugal - Crain's Chicago Business](https://news.google.com/rss/articles/CBMidEFVX3lxTE1yR0J4VTZxRXBCV3JYUUg0LVlxRVRVQVE0ZkVKTElyNVNDZUdJaW5pZnVGU20zaEh2SFFCM3I1TjJwcnZMdmoyWFRHc2x3Ui1vSlAydFI4S3hQMVA5amVPR21JOEZabmV3REd2d3gyVklMU1pX?oc=5) · Crain's Chicago Business
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2023-03-20 [Other ‘Signature’ and ‘Republic’ Banks Tackle Marketing Crisis - The Financial Brand](https://news.google.com/rss/articles/CBMitgFBVV95cUxQU3R2V05NVVNjaU5NWkRYSC15X05HSnkzTE1tdmI1RVcwdWdmM3lKcXI5LTdvWWxGdXRBeHVUVllTZXI5anFta3ZtOThjbC1URlNLU0JIeWF2TGJvMmxZT25YR1ZGUGVvQ3FYWlQ2Tjd3czZMX2oyc014SHNEUmI4TTJiN0JxMzYzdFBjN01rRmpMSzlWSmFPNjl0RVJmZ0FNVllLckhPaW83TVNLREhmV3g0VjB2Zw?oc=5) · The Financial Brand
- 2024-07-29 [10 of the biggest U.S. bank failures of the last decade - qz.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9zcUtqT2R6Y0xHdE93a1dqajVPS0JnWGJsdFp0dFR0ZFpfRmdWY2lkRmlidklqbkZ1QXJvYnBjYncwSXVTM1VBWWRQNUdyaVVob3NSYnljYzAyNDFXOHZSWmw3d2pqM0pyc2g1SWFhWnBGbVVsXzNfYTRKTjA?oc=5) · qz.com
- 2014-10-24 [National Republic Bank of Chicago under new owners - Chicago Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxNX0VXWkE0ODFDOFJwblRTTDF3QzJhRDZPeHQ2eUpDS3BwNzdESFlDaUlvVnBXZEEwbGxfdXhUdEtjSGxSMFp6cEE3WmYwMkFELUFtT0V6R0lpZk96eFFZb2txbTA0NVd0STZOQ2h0M2JmSFc5Q0dGOWNSclMwLWFqc2Y1aUNVUjhVTlNFREV6TEpZeEtGc1dleg?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19333 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "19333", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide