Republic Bank of Chicago: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 12.57% +3.57 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $340.0M | 339,973 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.70B | 2,703,797 | RCOAA224 |
| Recomputed ratio | 12.57% | numerator / denominator | |
| Filed ratio | 12.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +3.57 pp | $96.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 93,673 | 93,673 | 93,673 | 93,673 | 93,673 | 93,673 | RCOAP742 |
| Retained earnings | 246,300 | 238,453 | 280,123 | 272,101 | 262,853 | 253,442 | RCOAKW00 |
| Accumulated other comprehensive income | (17,737) | (17,135) | (15,817) | (17,436) | (19,536) | (20,576) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 322,236 | 314,991 | 357,979 | 348,338 | 336,990 | 326,539 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 17,737 | 17,135 | 15,817 | 17,436 | 19,536 | 20,576 | P859 - P840 |
| Common equity Tier 1 capital | 339,973 | 332,126 | 373,796 | 365,774 | 356,526 | 347,115 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 339,973 | 332,126 | 373,796 | 365,774 | 356,526 | 347,115 | RCOA8274 |
| Tier 2 capital | NA | NA | 23,347 | 22,831 | 23,171 | 25,325 | |
| Allowance includable in Tier 2 capital | NA | NA | 23,347 | 22,831 | 23,171 | 25,325 | |
| Total capital | NA | NA | 397,143 | 388,605 | 379,697 | 372,440 | |
| Total risk-weighted assets | NA | NA | 2,094,349 | 2,071,448 | 2,072,534 | 2,116,331 | |
| Average total assets for the leverage ratio | 2,703,797 | 2,598,817 | 2,606,938 | 2,658,178 | 2,633,617 | 2,638,745 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 12.57% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 12.78% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 17.85% | 17.85% | 18.96% | 14.34% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 17.66% | 17.66% | 18.76% | 13.76% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 17.20% | 17.20% | 18.32% | 13.54% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 16.40% | 16.40% | 17.60% | 13.15% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 16.15% | 16.15% | 17.36% | 12.44% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.97% | 14.97% | 16.22% | 11.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.43% | 14.43% | 15.62% | 11.96% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 14.62% | 14.62% | 15.74% | 11.88% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 14.36% | 14.36% | 15.39% | 11.73% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 14.86% | 14.86% | 15.97% | 11.81% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Republic Bank of Chicago (this bank) | CBLR | NA | NA | NA | 12.57% | |
| North Shore Bank | $2.61B | CBLR | NA | NA | NA | 14.45% |
| Fidelity Bank & Trust | $2.60B | Risk-based | 10.67% | 10.67% | 11.72% | 8.98% |
| Dedham Institution for Savings | $2.60B | Risk-based | 13.93% | 13.93% | 14.69% | 11.39% |
| KS Statebank | $2.60B | CBLR | NA | NA | NA | 12.97% |
| One Community Bank | $2.63B | CBLR | NA | NA | NA | 12.78% |
| Meridian Bank | $2.59B | CBLR | NA | NA | NA | 9.72% |
| Wells Fargo Bank South Central, N.A. | $2.59B | Risk-based | 80.53% | 80.53% | 80.84% | 29.69% |
| State Bank of Texas | $2.59B | CBLR | NA | NA | NA | 15.71% |
| First National Bank | $2.59B | Risk-based | 13.42% | 13.42% | 14.68% | 11.12% |
| FCB Banks | $2.64B | Risk-based | 12.08% | 12.08% | 13.27% | 8.45% |
| Peer 25th percentile | 12.08% | 12.08% | 13.27% | 10.07% | ||
| Peer median | 13.42% | 13.42% | 14.68% | 12.09% | ||
| Peer 75th percentile | 13.93% | 13.93% | 14.69% | 14.08% | ||
| This bank's percentile | NA | NA | NA | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/671334/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.