# REPUBLIC BANK&TRUST
NORMAN, OK · FDIC certificate 27286 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $697.0M | |
| Deposits | $617.6M | |
| Loans and leases | $373.4M | |
| Total equity | $75.5M | |
| Loans / deposits | 59.26% (p10 of band) | 85.34% |
| Liquid assets / assets | 44.13% (p89 of band) | |
| Uninsured deposits / deposits | 19.82% (p40 of band) | 22.41% |
| Brokered deposits | 7.25% | |
| Wholesale funding | 7.25% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.67% (p68 of band) | 10.60% |
| Unrealized securities loss / equity | 9.62% (p99 of band) | 0.73% |
| AOCI / equity | 7.40% (p92 of band) | |
| ROA (annualized) | 1.25% (p60 of band) | 1.13% |
| Net interest margin | 4.14% (p74 of band) | 3.74% |
| Efficiency ratio | 67.17% (p53 of band) | |
| Noncurrent loans | 3.26% (p97 of band) | 0.54% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 60.70% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 62.12% (p71 of band) | |
| Auto loans | $2.4M (0.65% of loans; DQ 1.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 23.9% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | construction >100% equity |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | construction >100% equity |  |
| 2013-12 | 1 |  | construction >100% equity |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | uninsured deposits leaving |  |
| 2019-06 | 2 |  | uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27286 (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/22.json (key "27286", 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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