Republic Bank of Chicago: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Republic Bank of Chicago is the primary bank subsidiary of its parent holding company, headquartered in Oak Brook, IL. Total assets stand at $2.6B. Earnings are mid-range, 1.16% ROA and a 4.02% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.57% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 1.55%. Its footprint covers 20 branches concentrated in Illinois.
As of June 30, 2026, Republic Bank of Chicago reported a Tier 1 leverage ratio of 12.57%, a return on assets of 1.16%, a nonperforming-loan ratio of 1.55%, a Texas ratio of 15.50%, per financial data filed with the FFIEC.
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
- Offices
- 20 domestic
- Employees (FTE)
- 301
- Domestic deposits
- $2.26B
- Allowance for credit losses
- $19.7M
- Net charge-offs (YTD)
- $190K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Republic Bank of Chicago terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Republic Bank of Chicago, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.16% | 1.55% | 15.50% | 4.02% |
| Q1 2026 | 12.78% | 1.53% | 1.63% | 16.01% | 4.05% |
| Q4 2025 | 14.34% | 1.23% | 2.09% | 25.62% | 4.35% |
| Q3 2025 | 13.76% | 1.39% | 1.26% | 22.53% | 4.03% |
| Q2 2025 | 13.54% | 1.43% | 1.00% | 22.06% | 3.91% |
| Q1 2025 | 13.15% | 1.07% | 4.58% | 23.67% | 3.58% |
| Q4 2024 | 12.44% | 1.15% | 4.18% | 22.92% | 3.56% |
| Q3 2024 | 11.90% | 1.09% | 3.31% | 19.37% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| 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 | Merger | Participated in Absorption/Consolidation/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 |
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
What the public regulatory sources show for Republic Bank of Chicago, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 39 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Republic Bank of Chicago headquartered?
Republic Bank of Chicago is headquartered in Oak Brook, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Republic Bank of Chicago founded?
Republic Bank of Chicago was established in 1964, per the FDIC institution directory.
Is Republic Bank of Chicago FDIC-insured?
Yes. Republic Bank of Chicago 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Republic Bank of Chicago operate?
Republic Bank of Chicago 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?
Republic Bank of Chicago's Texas Ratio is 15.50% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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