United Republic Bank
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Data as of · sourced from FFIEC call reports. How we update
United Republic Bank is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 2006 (FDIC certificate 58359), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $185.8M, down 10.6% from Q2 2025, the 83rd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.57% 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
- 58359
- Headquarters
- Omaha, NE
- Established
- 2006
- Total assets, Q2 2026
- $185.8M
- Assets vs Q2 2025
- -10.6%
- Tier 1 leverage ratio, Q2 2026
- 11.57%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104014109
- Latest call report
- Q2 2026, FFIEC 051 · United Republic Bank call report
- Holding company
- REPUBLIC CORPORATION
- Asset rank in state
- 83rd of 138 in Nebraska
Problem loans are rising at United Republic Bank. It reported $186 million in assets at June 30, 2026, down 10.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.89% of loans from 3.24% a year earlier. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its $15 million commercial and industrial book is improving, with 2.26% past due or on nonaccrual, down from 4.28% a year earlier. Its margin is thin by comparison: it keeps 2.51 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, United Republic Bank reported a return on assets of 0.27%, a nonperforming-loan ratio of 4.89% and a Texas ratio of 58.52%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, United Republic Bank is the 83rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.2% to $185.8M, loans fell 3.5% and deposits fell 4.1%. Owner-occupied commercial real estate loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 24.1%. The FDIC Summary of Deposits lists 3 offices for it, in Elkhorn, NE, Gretna, NE and Omaha, NE; its Elkhorn office books 96% of its branch deposits. Judged on its Q2 2026 call report, United Republic Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 N 181st St, Omaha, NE 68022
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 11, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $147.4M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $189.8M
- Average total loans
- $139.9M
- Average interest-bearing deposits
- $138.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 11, 2006
- FDIC Cert
- 58359
- Fed RSSD
- 3387140
- Website
- www.unitedrepublic.bank →
- Parent Holding Company
- REPUBLIC CORPORATION (RSSD 3387298)
- Ultimate Parent
- CENTRAL BANCSHARES, INC. (RSSD 1050495)
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, United Republic Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Republic Bank's total assets ran between $185.8M (Q2 2026) and $214.8M (Q1 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$185.8M total assets against $207.8M; $160.1M total liabilities against $181.1M.
$134.2M net loans and leases against $151.2M; $147.4M total deposits against $167.7M.
$17.2M securities against $20.5M; $6.0M cash and balances due against $5.8M.
$2.4M total interest income against $2.8M; $1.4M total interest expense against $1.7M.
$1.0M net interest income against $1.1M.
$386K total noninterest income against -$353K; $1.2M total noninterest expense against $1.2M.
$30K provision for credit losses against $725K.
$126K net income against -$777K.
0.27% return on assets against -1.45%; 2.51% net interest margin against 2.45%.
11.57% tier 1 leverage ratio against 10.80%.
Inside the full United Republic Bank 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
United Republic Bank rankings
Its closest position to the top of a national ranking is 5 of 3,640, for Texas Ratio; its furthest is 3,416 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.37% (Q4 2025) to 0.84% (Q4 2024) and its net interest margin ran from 2.17% (Q1 2025) to 3.04% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.57% | 0.27% | 4.89% | 58.52% | 2.51% |
| Q1 2026 | 11.17% | 0.05% | 2.58% | 47.78% | 2.68% |
| Q4 2025 | 10.81% | -2.37% | 2.48% | 47.88% | 2.78% |
| Q3 2025 | 11.10% | -0.35% | 5.43% | 58.63% | 3.04% |
| Q2 2025 | 10.80% | -1.45% | 3.24% | 54.17% | 2.45% |
| Q1 2025 | 11.11% | -1.29% | 0.96% | 39.74% | 2.17% |
| Q4 2024 | 11.83% | 0.84% | 4.34% | 44.27% | 2.90% |
| Q3 2024 | 11.45% | 0.34% | 1.60% | 25.17% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| United Republic Bank (main office) | Elkhorn , NE | 68022 | $140.8M |
| United Republic Bank - Gretna Branch | Gretna , NE | 68028 | $6.6M |
| United Republic Bank Mobile Branch | Omaha , NE | 68118 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 93 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 United Republic Bank
What are United Republic Bank's total assets?
As of the Q2 2026 filing, United Republic Bank reported total assets of $185.8 million in its FFIEC call report.
Where is United Republic Bank headquartered?
It is headquartered in Omaha, NE, United States.
When was United Republic Bank founded?
It was established in 2006, per the FDIC institution directory.
Is United Republic Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Republic Bank?
United Republic Bank's primary federal regulator is the FDIC.
How many branches does United Republic Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Republic Bank's Texas Ratio?
Its Texas Ratio is 58.52% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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