New Republic Bank
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Data as of · sourced from FFIEC call reports. How we update
New Republic Bank is an FDIC-insured commercial bank headquartered in Charlotte, NC, established in 1998 (FDIC certificate 34860), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $176.3M, down 5.8% from Q2 2025, the 29th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 31.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34860
- Headquarters
- Charlotte, NC
- Established
- 1998
- Total assets, Q2 2026
- $176.3M
- Assets vs Q2 2025
- -5.8%
- CET1 ratio, Q2 2026
- 31.98%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 053174051
- Holding company
- JUNO BANCORP, INC.
- Asset rank in state
- 29th of 38 in North Carolina
New Republic Bank pays more for its money than most banks of its size. Its balance sheet stood at $176 million at June 30, 2026, down 5.8% from a year earlier; it is based in Charlotte, North Carolina. It pays an average of 3.27% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 31.98% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, New Republic Bank reported a CET1 capital ratio of 31.98%, a return on assets of 1.92%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.51%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, New Republic Bank is the 29th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 26.2% to $176.3M, loans fell 36.6% and deposits fell 31.5%. 1-4 family residential loans made up 39.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 35.0%. The FDIC Summary of Deposits lists a single office for it, in Roanoke Rapids, NC. By the capital ratios in its Q2 2026 call report, New Republic Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 420 Becker Dr, Charlotte, NC 27870
- County
- Halifax
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 15, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $138.0M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $221.9M
- Average total loans
- $168.0M
- Average interest-bearing deposits
- $168.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 1998
- FDIC Cert
- 34860
- Fed RSSD
- 2754222
- Website
- newrepublicbank.com →
- Parent Holding Company
- JUNO BANCORP, INC. (RSSD 6152152)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, New Republic Bank's total assets ran between $141.0M (Q3 2023) and $238.9M (Q1 2026), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$176.3M total assets against $187.1M; $139.3M total liabilities against $171.5M.
$119.1M net loans and leases against $142.6M; $138.0M total deposits against $170.2M.
$19.6M securities against $22.7M; $29.2M cash and balances due against $16.1M.
$3.2M total interest income against $2.8M; $1.5M total interest expense against $1.7M.
$1.8M net interest income against $1.1M.
$100K total noninterest income against $33K; $1.2M total noninterest expense against $1.3M.
-$739K provision for credit losses against $75K.
$1.1M net income against -$215K.
1.92% return on assets against -0.43%; 3.26% net interest margin against 2.31%.
31.98% CET1 capital ratio against 13.39%; 15.81% tier 1 leverage ratio against 8.08%.
Inside the full New Republic Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNew Republic Bank rankings
Its closest position to the top of a national ranking is 59 of 2,134, for CET1 ratio; its furthest is 2,945 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.03% (Q4 2024) to 1.92% (Q2 2026) and its net interest margin ran from 2.21% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.98% | 1.92% | 0.15% | 0.51% | 3.26% |
| Q1 2026 | 19.70% | 1.60% | 0.10% | 0.55% | 3.12% |
| Q4 2025 | 18.94% | 1.18% | 0.05% | 0.29% | — |
| Q3 2025 | 12.97% | -0.93% | 0.08% | 0.65% | 2.63% |
| Q2 2025 | 13.39% | -0.43% | 0.08% | 0.67% | 2.31% |
| Q1 2025 | 13.39% | -0.47% | 0.08% | 0.68% | 2.21% |
| Q4 2024 | 13.75% | -3.03% | 0.11% | 0.88% | 2.22% |
| Q3 2024 | 15.17% | -1.10% | 0.12% | 0.84% | 2.21% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Republic Bank (main office) | Roanoke Rapids , NC | 27870 | $138.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- August 31, 2000, OCC (former OTS): Supervisory Agreement: New Republic Savings Bank
- Period: Most recent institution action August 31, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NC, rank 56 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 19 loans originated, $5.6M originated, across 4 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about New Republic Bank
What are New Republic Bank's total assets?
As of the Q2 2026 filing, New Republic Bank reported total assets of $176.3 million in its FFIEC call report.
Where is New Republic Bank headquartered?
It is headquartered in Charlotte, NC, United States.
When was New Republic Bank founded?
It was established in 1998, per the FDIC institution directory.
Is New Republic Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Republic Bank?
New Republic Bank's primary federal regulator is the FDIC.
What is New Republic Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does New Republic Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Republic Bank's Texas Ratio?
Its Texas Ratio is 0.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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