# UNITED REPUBLIC BANK
ELKHORN, NE · FDIC certificate 58359 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $185.8M | |
| Deposits | $147.4M | |
| Loans and leases | $137.1M | |
| Total equity | $25.6M | |
| Loans / deposits | 91.05% (p81 of band) | 73.59% |
| Liquid assets / assets | 12.51% (p7 of band) | |
| Uninsured deposits / deposits | 8.11% (p9 of band) | 19.81% |
| Brokered deposits | 20.87% | |
| Wholesale funding | 27.33% (p98 of band) | |
| FHLB advances / assets | 6.46% | |
| Tier 1 leverage | 11.57% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -2.74% (p66 of band) | -6.57% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 0.15% (p9 of band) | 1.17% |
| Net interest margin | 2.67% (p6 of band) | 3.93% |
| Efficiency ratio | 91.39% (p90 of band) | |
| Noncurrent loans | 4.89% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 44.08% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 129.12% (p97 of band) | |
| Auto loans | $102,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.1% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | liquid assets <10% |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | liquid assets <10% |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 1 | liquid assets <10% | capital falling |
| 2012-09 | 0 |  | liquid assets <10% |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 1 | uninsured deposits leaving | liquid assets <10% |
| 2014-06 | 1 | deposits shrinking | uninsured deposits leaving |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2015-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | brokered >10%, liquid assets <10% | capital falling |
| 2016-03 | 0 |  | brokered >10%, liquid assets <10% |
| 2016-06 | 4 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 3 |  | liquid assets <10% |
| 2016-12 | 4 | brokered >10%, charge-offs p90 | uninsured deposits leaving |
| 2017-03 | 5 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | brokered >10%, charge-offs p90 |
| 2017-06 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2017-09 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2017-12 | 6 | NIM <2.5%, reserve under noncurrent | assets shrinking |
| 2018-03 | 2 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving, loans exceed deposits, liquid assets <10%, NIM <2.5% |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity | reserve under noncurrent |
| 2019-03 | 1 |  | brokered >10%, construction >100% equity |
| 2019-06 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | brokered >10%, capital falling |  |
| 2020-12 | 2 | wholesale funding >15% | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | uninsured deposits leaving |  |
| 2021-09 | 2 |  | uninsured deposits leaving |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | charge-offs p90, construction >100% equity |  |
| 2022-06 | 4 | capital falling | charge-offs p90 |
| 2022-09 | 5 | reserve under noncurrent |  |
| 2022-12 | 4 |  | reserve under noncurrent |
| 2023-03 | 3 |  | capital falling |
| 2023-06 | 4 | charge-offs p90 |  |
| 2023-09 | 5 | capital falling |  |
| 2023-12 | 4 |  | charge-offs p90 |
| 2024-03 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2024-12 | 7 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2025-03 | 8 | losing money, expense ratio p90, NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2025-06 | 11 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 8 |  | uninsured deposits leaving, NIM <2.5%, capital falling |
| 2025-12 | 10 | deposits shrinking, assets shrinking |  |
| 2026-03 | 7 |  | charge-offs p90, losing money, noncurrent p90 |
| 2026-06 | 9 | noncurrent p90, uninsured deposits leaving |  |

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

- 2022-12-02 [State investigating what could be Nebraska’s largest bank fraud - Nebraska Examiner](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZmlxMmY3Z0NtSnlyamRpWW04NkRTU2ZCMzktQnN6cnVDMXRTcDY5SUtLS0hwd2kxQ0pnX2pLTk9VOU5rME1WZEhDU1FHMHhoazhrVDFVcU5QbDRaamtjRjBVN3I4QWQ0Rlo0cVpnc2o0SHlMVDBUMXNaaWxvd0wtU193eUg4UjczQnVjRHgwVXNYWndtenhuZFg4dWZ3QXAzbkY4WFRn?oc=5) · Nebraska Examiner
- 2025-03-13 [United Republic Bank of Omaha to keep its name after assets are acquired in merger - Omaha World-Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTFBpNjJjWi1rcExiaDdnd1NITndtR1Z4MEpjbUZaakpEWmFIR25lQTlzZVhWWTdSbXF6QVBlZzNjdFAtRUJwY19IV1JfQ0FKZElzOVZVWFkxdzdCRmoxQ1V5RW5BYWwyMEFwZ3JLM2E1R1hUd25WZGVSQlZveC1Cdw?oc=5) · Omaha World-Herald
- 2023-09-14 [Omaha Everyday: United Republic Bank - WOWT](https://news.google.com/rss/articles/CBMid0FVX3lxTE9NMDYyY041cWJtdUZxOXg3d1JCeTNsenRVdGJwc09qeWxUelNpU2ljVmpHcFhRNEVHdURFTTJPUV9lRHUzYXRsc1p0d1hMVTNndGE2c2YzS2NmUzdFODk5YUQzZWIzbWVkbzBNTXdyZUdheGZncEVV0gGLAUFVX3lxTE1yQmlqb3BRaG9zSU1yblgxX1pOYUZjc2hwNmpCdm9RSW5Jb2ZDX01mWUQtbWlQdTRpR002MzBJcVA4UERiV3gzR0hFVU92ZWpJSmVtRThlVmFPNTg2THZYemJRblFWaklteWY4QmRPMEswSHpYQVh1dW5WdGx3WUZ4LUZMa21CV05iSDA?oc=5) · WOWT
- 2024-08-19 [United Republic Bank Building in Gretna - growomaha.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE55Q2xzbzl6YnkyUVpRRFUydi1PcWJNNUJfNzJrMmNCTmMtVkhEWUliVlNwM3owM1o0NnRNaWRVTkxTWWMwbWgxQU42bDgtdmR6ZTN3cHV5cW83VWxqMFluRWg4QlpCZmx6TF9tVHRfWWtyV1JfcU15T21n?oc=5) · growomaha.com
- 2023-09-19 ['Open space for people to thrive': Gretna Crossing Park sponsored by United Republic Bank grand opening - KETV](https://news.google.com/rss/articles/CBMif0FVX3lxTE5YbzdXWlFSZXBqS0QwRk9BWHh1MEI0dWJrcG4ySk1Bay15Uy1NdzE0NWp5YnlFTWNSQzZ4RmVRRVQ1QWdIbnVUejJNdXFQci1KY2tNcDJaNEhEY0Q4aXZKMkk0SlVnZUw4aGF5LVRSOXdCZ0JMaFQzRlF0a3N2dWc?oc=5) · KETV
- 2023-02-10 [City council greenlights Gretna Crossing Park naming rights - WOWT](https://news.google.com/rss/articles/CBMinwFBVV95cUxNd0xSd1dhc0kySmJ6R21vZWN5TzkwRVlxWXdRYURiR25uR1JQNDZkM0ZDOUxxX0pNZDFlcDNFaHItbzViajRMVF9wZE9TcjJzSUdsb01yMzV2M1BDNm1GSVp6U1BOWm5FLUFib3czdWZ1N0lBRWNacWNhWmhfOFhnSXIyRUVneWpSdWxWWld4U0Z1X3lNU2gwNHpPcVFiaknSAbMBQVVfeXFMTV9keGwxOGJKWVhiM2RQdzZ2d0pLUjhXMVFPeC1WUVJuT1FvdE9GS2hTaU5HelVXTnBYcU1GSUtlSVRBbk5Ga05TdUxyWVVrZzZfclRHVDJKTFlVRXFCQnJ5aDF4U0lycFRicWhIRS1JYmVLV3lFRjBHcDZ0WWswTEZOaFlkTUNoaF9PYmVDQnBSTW1WdElLTlFsODNpclJwYklTTlUyaUJPVURMeXV5bGJVVm8?oc=5) · WOWT
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner
- 2022-12-09 [Jordin Liebentritt Obituary (1995 - 2022) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZU51LXFfMmVHV0k2S2Z4ZHFSNzBtTF93RjhYYnp1OVBMUVh5bl9yUFNJMTBURzlLLXVrYlpOVTU4NlhGR0h5QVJsSUU0cW5NY1kyZ3VvNmxMNjJCNEVrVVIwazY2NEZsRXdZT2VPRzhLQ1NmZVlZS0dLQVJ2SmVObFhNaThJVlFjX1lOQmJlQTc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58359 (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/55.json (key "58359", 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