BlastPoint's Banking Scorecard
Republic Bank of Chicago
Community
Specialty: Commercial
IL
FDIC cert 19333
Oak Brook, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Republic Bank of Chicago faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+2.8% YoY
+5.0% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$1.7B
-3.8% YoY
+0.2% QoQ
|
+$691.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.3B
+4.7% YoY
+5.2% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.27%
+21.5% YoY
-2.3% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.02%
+12.9% YoY
+1.5% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
60.51%
-0.3% YoY
-1.0% QoQ
|
-2.12% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
1.71%
-57.8% YoY
+97.3% QoQ
|
+1.08% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
71.42%
-8.2% YoY
-4.8% QoQ
|
-11.64% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
31.97%
+3.3% YoY
-3.4% QoQ
|
+10.92% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
3.31%
+16.7% YoY
+12.0% QoQ
|
+2.81% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.85%
+10.5% YoY
+1.1% QoQ
|
+7.60% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.90%
+5.7% YoY
+31.3% QoQ
|
+0.16% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.31%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
88
88th pctile
Tier 1 Capital Ratio
Current: 17.85% · Tier avg: 10.24%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.97% · Tier avg: 21.05%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.42% · Tier avg: 83.06%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
55
55th pctile
Efficiency Ratio
Current: 60.51% · Tier avg: 62.63%
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.31% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.31% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
55
55th pctile
Efficiency Ratio
Current: 60.51% · Tier avg: 62.63%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.42% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.97% · Tier avg: 21.05%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Tier 1 Capital Ratio
Current: 17.85% · Tier avg: 10.24%
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B