New Republic Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 325.11 percentage points in Q2 2026, from 1045.88% to 720.76%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, New Republic Bank is 4th of 38 on return on assets, 1.92% as of Q2 2026, above the middle of the field. New Republic Bank's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.98% |
| Tier 1 risk-based capital ratio | 31.98% |
| Total risk-based capital ratio | 33.20% |
| Tier 1 leverage ratio | 15.81% |
| Equity capital to assets | 21.01% |
| Tangible equity to tangible assets | 19.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 720.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 11.62% |
| Net interest margin | 3.26% |
| Efficiency ratio | 64.12% |
| Yield on earning assets | 6.03% |
| Cost of funds | 3.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.28% |
| Core deposits to total deposits | 92.74% |
| Brokered deposits to total deposits | 4.35% |
| Deposits to assets | 78.25% |
| Securities to assets | 11.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.62% | 19.62% | 20.66% | 13.80% | -0.60% |
| Q4 2023 | 18.11% | 18.11% | 19.15% | 12.51% | -7.94% |
| Q1 2024 | 17.18% | 17.18% | 18.23% | 12.42% | -1.07% |
| Q2 2024 | 15.84% | 15.84% | 16.92% | 11.51% | -0.98% |
| Q3 2024 | 15.17% | 15.17% | 16.26% | 10.91% | -1.10% |
| Q4 2024 | 13.75% | 13.75% | 14.80% | 9.52% | -3.03% |
| Q1 2025 | 13.39% | 13.39% | 14.42% | 8.59% | -0.47% |
| Q2 2025 | 13.39% | 13.39% | 14.50% | 8.08% | -0.43% |
| Q3 2025 | 12.97% | 12.97% | 14.09% | 8.40% | -0.93% |
| Q4 2025 | 18.94% | 18.94% | 20.19% | 15.69% | 1.18% |
| Q1 2026 | 19.70% | 19.70% | 20.92% | 13.95% | 1.60% |
| Q2 2026 | 31.98% | 31.98% | 33.20% | 15.81% | 1.92% |
New Republic Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Republic Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full New Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34860) · FFIEC NIC profile (RSSD 2754222)