# REPUBLIC BANK
PORT RICHEY, FL · FDIC certificate 35344 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $119.1M | |
| Deposits | $92.3M | |
| Loans and leases | $88.1M | |
| Total equity | $25.9M | |
| Loans / deposits | 92.98% (p90 of band) | 68.03% |
| Liquid assets / assets | 14.92% (p8 of band) | |
| Uninsured deposits / deposits | 19.82% (p78 of band) | 12.24% |
| Brokered deposits | 0.27% | |
| Wholesale funding | 0.27% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.85% (p84 of band) | 10.34% |
| Unrealized securities loss / equity | 0.73% (p75 of band) | -0.15% |
| AOCI / equity | 0.03% (p25 of band) | |
| ROA (annualized) | 0.46% (p30 of band) | 0.74% |
| Net interest margin | 3.97% (p71 of band) | 3.59% |
| Efficiency ratio | 77.61% (p57 of band) | |
| Noncurrent loans | 2.34% (p76 of band) | 0.94% |
| Net charge-offs (annualized) | 0.25% (p88 of band) | |
| Reserve coverage of noncurrent | 108.25% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 5.68% (p31 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 0 |  | losing money, expense ratio p90, reserve under noncurrent |
| 2012-03 | 4 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 | reserve under noncurrent | assets shrinking |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 0 |  | losing money, reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |

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

- 2026-04-01 [Republic Bank Appoints Frank Vitarelli as Florida Market President - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOcVhsaVhTbUpYWm5WNXYwN1RtT0xZS19pUjFkbEM2X1ZfdTg4aWRQamJkOXRwWkZwOWNNR3J4c2FkSW9hNTBQc3lOQlhfRE41LU0yWTJheWt1Rlh2Nk1YemVHS3NXclJyMzd3UDdxWVUyMTktVlhjWDlqY09xWnFoUzdZTmRzTlEySnVISUZRZ0RpZ2dOVVgxX0NRYk43bEtxdVhmRU4yRktiSXBJU05iRzBZQ1BOMFVHQ1I3aGYtUVg?oc=5) · Business Wire
- 2026-04-01 [Republic Bank names new Florida market president after lengthy search - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSy02b1J5MTg4S1N4RTBlWHJ0RDVSLUNITkJ6OWdwY1dOZXRmVWhfci13LXJxOEU1YjhLQk1BNVRNOVdFOFhld3QwcHE0OHE3T2g0UUdEQkN6b2t3QWFjalhJdFZGbklpR0RpRTNodzdqalNIdUxMYVI1WWpCbUJkUGkzN1VoOUFUeUZHX24zWUlsSjl2NEMtMG9IMzlESl9GS0ROckdmaGM?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-22 [Patriot Bank Expands Into South Florida With Palm Beach Flagship Office - citybiz.co](https://news.google.com/rss/articles/CBMirwFBVV95cUxOa3lwRWhQLUZiY2wtaWNNb1NabDliU3lQS0Y1dXhtdnhiYVJEdXQzX0MzS3VtdEdmRlJfR3BMQTRya1VteTF4YV9JbjFjZjd3eFNGWUJuNXFmNHo5eFg4b1BEOEQxM2dhRUszcGFGVm9GTl83cXhGOU0zaUNCQWRocEZEVDhucFlZOUh5RVM3cjQ0STB0SGtHYXBCVUdMRXpTTk5lbTNuUk9Ga1NZWWFF?oc=5) · citybiz.co
- 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
- 2026-05-20 [Failed Bank Information for First Republic Bank, San Francisco, CA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVUpSTGxvR2xhRS1CR0lmZ0NDaGNfMzRLTnp1cWM3N2VQRV9tTmlFVTB1WUxlb3JCX3FwVW1McGF6cnVlS3piNHlmRF9Ba2l4YmMtckJvcS1OcHFxSVNTN1dGY3lLdlNaZE5HbG81WTZtNlRPQ3NnbkJ0cDZDMEV2NktONmpUSzZZSU1ldmU0eDJnOUtjMHVheQ?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-06-01 [Citizens Bank CEO sees a 'sweet spot' in the Bay Area as he looks to grow from First Republic's ashes - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxPbW5DV09GRk9UTkhtNnlqYnRPcFNBdEloWUJIc3JpQXlST3B3NXVPQnUySWtERXZkMmlvNFJaMWRsS1duZVlGbUF5M3Q2VG5PZEZSbC1pM1BzMG9PSDF5RDlfMG80a2lLWExHdmU4R0E1amt4UWU1blJqbzJvVTBhbFc2OGdPWEZNVGhaQnJzRUZLSzBsZDRqanllLTFhcEdXNGpNNEF2ekJ5ODg4c2ZueQ?oc=5) · The Business Journals
- 2019-07-23 [Veteran St. Pete banker moves into a new role - St Pete Catalyst](https://news.google.com/rss/articles/CBMifEFVX3lxTE03dGJNSnNFUUp5TnhXdGN1R3Q0ZERqbEFYSFlHZmRteTZxLUVqYjBwVzJxUGNEWHlsVWxCY0lLZ2hhdFBGRy01SEE5WW9oZUhibUVFUjM5M2J2dkgydEhYMG5lU1RpQVNRTWlEd09xNVkycWs0R2hRYlJJLXc?oc=5) · St Pete Catalyst

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35344 (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/16.json (key "35344", 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