New Republic Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Republic Bank of Charlotte, NC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.92% | 1.35% | +0.57% | 83rd top |
| ROAE | 11.62% | 12.05% | -0.43% | 45th below |
| Net Interest Margin | 3.26% | 3.90% | -0.64% | 18th bottom |
| Efficiency Ratio | 64.12% | 63.15% | +0.97% | 42nd below |
| PPNR / Avg Assets | 1.12% | 1.64% | -0.52% | 26th below |
| Yield on Earning Assets | 6.03% | 5.65% | +0.38% | 70th above |
| Cost of Funds | 3.27% | 1.85% | +1.42% | 3rd bottom |
| Net Interest Spread | 2.28% | 3.35% | -1.07% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.92% | -0.77% | 68th above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 720.76% | 1645.53% | -924.77% | 78th top |
| Texas Ratio | 0.51% | 7.15% | -6.64% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.98% | 20.82% | +11.16% | 94th top |
| Tier 1 Ratio | 31.98% | 20.85% | +11.13% | 94th top |
| Total Capital Ratio | 33.20% | 21.93% | +11.27% | 94th top |
| Leverage Ratio | 15.81% | 12.46% | +3.35% | 89th top |
| Equity / Assets | 21.01% | 11.67% | +9.34% | 97th top |
| TCE / Tangible Assets | 19.85% | 11.40% | +8.45% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.28% | 78.64% | +8.64% | 35th below |
| Core Deposit Ratio | 92.74% | 87.09% | +5.65% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.76% | 6.48% | -12.24% | 4th bottom |
| Loan Growth (Y/Y) | -16.27% | 7.65% | -23.92% | 1st bottom |
| Deposit Growth (Y/Y) | -18.92% | 6.03% | -24.95% | 0th bottom |
See New Republic Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Republic Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full New Republic Bank profile, how to read a UBPR, or how this data updates.