Republic Bank of Chicago
BankRegReports is independent of Republic Bank of Chicago and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Republic Bank of Chicago is an FDIC-insured commercial bank headquartered in Oak Brook, IL, established in 1964 (FDIC certificate 19333), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.61B, down 1.3% from Q2 2025, the 31st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19333
- Headquarters
- Oak Brook, IL
- Established
- 1964
- Total assets, Q2 2026
- $2.61B
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 12.57%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 071001180
- Latest call report
- Q2 2026, FFIEC 041 · Republic Bank of Chicago call report
- Holding company
- REPUBLIC BANCORP CO.
- Asset rank in state
- 31st of 319 in Illinois
Problem loans are rising at Republic Bank of Chicago. It reported $2.6 billion in assets at June 30, 2026, down 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.27% of loans from 0.58% a year earlier. It carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 0.5% over the year, lower than about three-quarters of banks its size (median 5.9%).
Net income for the quarter slipped 17% from a year earlier, to $7.8 million. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Republic Bank of Chicago reported a return on assets of 1.16%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 14.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Republic Bank of Chicago is the 31st largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 2.8% to $2.61B, loans rose 2.9% and deposits rose 3.1%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 40.1% of total loans, followed by non-owner-occupied commercial real estate loans at 25.4%. Its 20 offices in the FDIC Summary of Deposits are in 14 cities in IL; its Oak Brook office books 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Republic Bank of Chicago meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2221 Camden Ct, Oak Brook, IL 60523
- County
- Dupage
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 1, 1964
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 301
- Domestic deposits
- $2.26B
- Allowance for credit losses
- $19.7M
- Net charge-offs (YTD)
- $190K
- Average total assets
- $2.70B
- Average total loans
- $1.63B
- Average interest-bearing deposits
- $1.60B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 1964
- FDIC Cert
- 19333
- Fed RSSD
- 671334
- SEC CIK
- 1353367 → filed by REPUBLIC BANCORP CO.
- Website
- www.republicebank.com →
- Parent Holding Company
- REPUBLIC BANCORP CO. (RSSD 1201194)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Republic Bank of Chicago reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Republic Bank of Chicago's total assets moved between a low of $2.54B (Q1 2026) and a high of $2.83B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.61B total assets against $2.64B; $2.29B total liabilities against $2.31B.
$1.66B net loans and leases against $1.66B; $2.26B total deposits against $2.26B.
$558.3M securities against $431.9M; $284.4M cash and balances due against $405.6M.
$34.9M total interest income against $35.7M; $10.4M total interest expense against $12.5M.
$24.5M net interest income against $23.2M.
$7.1M total noninterest income against $6.0M; $19.7M total noninterest expense against $17.4M.
$1.3M provision for credit losses against -$963K.
$7.8M net income against $9.4M.
1.16% return on assets against 1.43%; 4.02% net interest margin against 3.91%.
12.57% tier 1 leverage ratio against 13.54%.
Inside the full Republic Bank of Chicago terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Republic Bank of Chicago rankings
Its closest position to the top of a national ranking is 347 of 3,640, for Texas Ratio; its furthest is 2,127 of 3,611, for ROA.
Metric pages for Republic Bank of Chicago: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q1 2025) to 1.53% (Q1 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.16% | 1.27% | 14.16% | 4.02% |
| Q1 2026 | 12.78% | 1.53% | 1.32% | 14.47% | 4.05% |
| Q4 2025 | 14.34% | 1.23% | 1.69% | 23.84% | 4.35% |
| Q3 2025 | 13.76% | 1.39% | 0.85% | 20.68% | 4.03% |
| Q2 2025 | 13.54% | 1.43% | 0.58% | 20.12% | 3.91% |
| Q1 2025 | 13.15% | 1.07% | 4.22% | 21.83% | 3.58% |
| Q4 2024 | 12.44% | 1.15% | 4.00% | 21.98% | 3.56% |
| Q3 2024 | 11.90% | 1.09% | 3.13% | 18.40% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → 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 |
|---|---|---|---|
| Republic Bank of Chicago (main office) | Oak Brook , IL | 60523 | $800.5M |
| Berkeley Branch | Berkeley , IL | 60163 | $281.1M |
| Lincolnwood Branch | Lincolnwood , IL | 60712 | $176.6M |
| Berwyn Branch | Berwyn , IL | 60402 | $116.0M |
| Darien Branch | Darien , IL | 60561 | $108.3M |
| Tinley Park Branch | Tinley Park , IL | 60487 | $100.9M |
| Palos Park Branch | Palos Park , IL | 60464 | $92.9M |
| Diversey Branch | Chicago , IL | 60707 | $64.5M |
| 111th Street Naperville Branch | Naperville , IL | 60564 | $64.3M |
| Devon Avenue Branch | Chicago , IL | 60659 | $61.2M |
| Hodgkins Branch | Hodgkins , IL | 60525 | $58.7M |
| Orland Park Branch | Orland Park , IL | 60462 | $58.2M |
| 65th Street Branch | Chicago , IL | 60629 | $56.3M |
| Addison Branch | Addison , IL | 60101 | $51.9M |
| West Chicago Branch | West Chicago , IL | 60185 | $49.9M |
| 79th Street Facility | Chicago , IL | 60652 | $40.8M |
| Roosevelt Road Facility | West Chicago , IL | 60185 | $30.7M |
| 120 Madison Branch | Chicago , IL | 60602 | $26.0M |
| Mt Greenwood Branch | Chicago , IL | 60655 | $19.8M |
| Vernon Hills Branch | Vernon Hills , IL | 60061 | $4.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 9, 2015 | Structure Change | Acquired Edgebrook Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 8, 2015 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 17, 2014 | Structure Change | Acquired Aztecamerica Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 16, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 18, 2014 | Structure Change | Acquired Dupage National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 17, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 24, 2010 | Structure Change | Acquired Citizens Bank & Trust Company of Chicago Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 23, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 6, 2009 | Structure Change | Acquired Bank of Lincolnwood Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 5, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 17, 2009 | Structure Change | Acquired National Bank of Commerce Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 16, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 18, 1994 | Structure Change | Acquired First Cook Community Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IL, rank 39 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 284 applications, 253 loans originated, $62.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Republic Bank of Chicago’s latest filed figures and updates each quarter.
Similar banks
Compare Republic Bank of Chicago with peers
Frequently asked about Republic Bank of Chicago
What are Republic Bank of Chicago's total assets?
As of the Q2 2026 filing, Republic Bank of Chicago reported total assets of $2.61 billion in its FFIEC call report.
Where is Republic Bank of Chicago headquartered?
It is headquartered in Oak Brook, IL, United States.
When was Republic Bank of Chicago founded?
It was established in 1964, per the FDIC institution directory.
Is Republic Bank of Chicago FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Republic Bank of Chicago?
Republic Bank of Chicago's primary federal regulator is the FDIC.
How many branches does Republic Bank of Chicago operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Republic Bank of Chicago's Texas Ratio?
Its Texas Ratio is 14.16% 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.
Go deeper on Republic Bank of Chicago.
Get an email when Republic Bank of Chicago files its next call report, and benchmark it against any peer you choose.
Unlock Republic Bank of Chicago, freeFree account