# REPUBLIC BANK OF ARIZONA
PHOENIX, AZ · FDIC certificate 58271 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $284.3M | |
| Deposits | $241.0M | |
| Loans and leases | $224.0M | |
| Total equity | $31.9M | |
| Loans / deposits | 91.93% (p85 of band) | 70.65% |
| Liquid assets / assets | 18.25% (p15 of band) | |
| Uninsured deposits / deposits | 53.00% (p98 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.52% (p64 of band) | |
| FHLB advances / assets | 3.52% | |
| Tier 1 leverage | 11.62% (p52 of band) | 11.50% |
| Unrealized securities loss / equity | -7.83% (p59 of band) | -11.46% |
| AOCI / equity | 0.90% (p43 of band) | |
| ROA (annualized) | 1.60% (p78 of band) | 1.00% |
| Net interest margin | 4.75% (p87 of band) | 3.68% |
| Efficiency ratio | 56.17% (p20 of band) | |
| Noncurrent loans | 0.11% (p39 of band) | 0.28% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 990.65% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 39.79% (p71 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 | -3.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 2 |  | charge-offs p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2012-09 | 2 |  | brokered >10%, wholesale funding >15% |
| 2012-12 | 2 |  |  |
| 2013-03 | 5 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2013-06 | 5 | capital falling | reserve under noncurrent |
| 2013-09 | 5 |  |  |
| 2013-12 | 6 | losing money |  |
| 2014-03 | 5 | charge-offs p90, uninsured deposits leaving | liquid assets <10%, capital falling, losing money |
| 2014-06 | 5 |  |  |
| 2014-09 | 3 |  | loans exceed deposits, uninsured deposits leaving |
| 2014-12 | 2 |  | wholesale funding >15% |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 2 | assets shrinking |  |
| 2015-09 | 2 | wholesale funding >15% | assets shrinking |
| 2015-12 | 2 | noncurrent p90 | wholesale funding >15% |
| 2016-03 | 3 | wholesale funding >15%, charge-offs p90 | noncurrent p90 |
| 2016-06 | 4 | noncurrent p90 |  |
| 2016-09 | 2 |  | charge-offs p90, noncurrent p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 1 |  | deposits shrinking, assets shrinking |
| 2019-06 | 3 | deposits shrinking, assets shrinking |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling | uninsured deposits leaving, expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | run vulnerability |  |
| 2025-03 | 2 |  |  |

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

- 2024-05-17 [Arizona credit union to acquire bank - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNQzRBdFJGa3NYMmNlYVlVZnk2R2pBd2pVOWNXSDdOZXl2Z1AzaGR5ejkyRVc4OTBHS181N0VtM3V0TlBTMmNTQWo1NzdGSmhLZkh6NXp4ejcxdm5Oc0ZSZDE3UzF5Qld2N0dnRE5hRzFLWWlSZERXdks4Y0pEVHl5b2FubDlCZHlobzA2TUtVVXNKaTk5U2tMd3NLSDY4dktnc2JkOWN2bjlpbW1tU3NsdQ?oc=5) · Banking Dive
- 2025-03-18 [Pima Federal Credit Union gains regulatory approval for Republic Bank of Arizona acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRUR6dXFPaTg5YXNzTlZSNnhEeEdHZ095X1ZSOEVXZTllVldSNzRTeThiT1hsbkdYdUxqR2JnQTNrcHZ1Z3Y4V3pNNWh0T1EzdXVqOWE0Q2h3SmdaU0FiUWFiYzlaelhTcUNmU1puZVlkQ0FBWGlOZC1BcHNXYkVzbjUtV0RhbjJWNDJ6ZEhWNHVtNmVSaXdkSFd3OWI3ZDZUcHhBNW9UUFZ3Xzg?oc=5) · The Business Journals
- 2025-03-19 [Pima Federal Credit Union gains regulatory approval for Republic Bank of Arizona acquisition - ABC15 Arizona](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNnBnUVNZRFNNMTRGb3o0R3N6ZVJFclVzMnh1dlB6cEZ6TDBFUWRKRjByd3dNZGtZTm1INzQtaE1wRHI3WjhxcmFZamw0NEt4eDJEYlFnQUFUUHBNeGZ4YV9taTRuZllzNE9rRHc0ekJ3aUpfcC1xUVhVUXJBZHRQQnNvX1BWcXlMeFBubVU4YVFjcFBRNXgtNTJobUQ0dHc1bTZUTjgxb29UeHVYZ3FKeVExb0pTZ1FGZWtJN2xiVWJyallNbUxj?oc=5) · ABC15 Arizona
- 2023-09-11 [NAI Horizon represents Republic Bank of Arizona in sublease at Scottsdale Centre - AZ Big Media](https://news.google.com/rss/articles/CBMitwFBVV95cUxOTjEwN0toRXkxTDdDUFlLMzFMdUdNR2JTanFON0NMNDlKY3A0N25McVNLelNzbWVwTHUweWVRVFcxTEx4b3o0cDRJTmlyNHl5N0YzaWRfWnZzUGdlak9nLW9scGROOHZUNnFYMWZCZUo4Q3BnTUNFemllamVFaHJ0RGJXTzV6aTR3ekYzc0RqVGVRQXJ3QVRZR3ktX1VhbGJmWDZlYk9wZ29oWmRxbHVOQWdwQldRTVU?oc=5) · AZ Big Media
- 2023-10-11 [Biz2X Announces Partnership with Republic Bank of Arizona - GlobeNewswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQc3ZkckJ1emFVMUtfNk9Qdm1Xa19WTHBwN0RyLXpqLXlQcmV6T2FzNXZ0c3JMNmFoMmhUSHV3dW5NY0ktZEh4ZF9LMUhrZ3loenl6S3l5dVBxMEZ6akdZTkFMMkcxSXhUZE4yTzRkX0pzN01pZ2tQaWF1NnBvNzJpaVA2Vml0cjBsRXA1MFVDT3NhN0dfUXJJa3RpSWh1VU1XR01hc052ZVVWUkdWWkhqVFBlWXAwczJlQlVUZE1mVUx2a3hoVTRzQw?oc=5) · GlobeNewswire
- 2021-03-05 [Risky business: Why one Valley bank takes marijuana dispensaries' cash - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPektqSjZaN1gwdG1TZXJWNE1lazU3UVdPNkVDRW0wNGdERFVXWVRRa0gtWGhEclNoUHV4aldsZzdKdTdoWjV6Mi0wakZrbjZRNlk3dXQ0UlQzc19ab05ZcHhHQ3pRQi1JSW9VaU80X181aE53dHplTjFmNTNPeEJWNjNfREVDTUhzWU5TUVZORXBJYTlaRkFYb2hvOU1MWnRDNXpNc0dIdw?oc=5) · The Business Journals
- 2025-06-23 [Ranking Arizona: Top 10 banks in Arizona for 2025 - AZ Big Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUm84dmZCallEM1dCSkpOMjFHZURGS2o2YlZLR3FUbXd3ZnJMVFI2Mm9aUEhOWUxzQ2Fvc2JqQmxnRVBteWpERDIyekwwZ2xVRUhMN19Xak92eDdITktGTXFnMjVyX1dkcGVSQkpaTGlWc1UwdFRTQUhkay1zU3BSM29DOTB5UkhM?oc=5) · AZ Big Media
- 2024-11-27 [John Thomas Katsenes Obituary - The Arizona Republic - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMiXEFVX3lxTFA2SURaakJZTlJhSHNadHhibGdfZUpEUkNIa0pUNzI5YnlBSkJTbkJwc1pFUE5DWDl2WXVQVFdLM2YxSENObDJLbXNjcmM4YlV2OWRiNkIyTU1PV3RI?oc=5) · azcentral.com and The Arizona Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58271 (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/31.json (key "58271", 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