BlastPoint's Banking Scorecard
New Republic Bank
Micro
Specialty: Commercial
NC
FDIC cert 34860
Designations: ✓ Community bank
Charlotte, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
New Republic Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.21% below tier
- - Net Interest Margin 3.31% below tier
- - Non-Interest-Bearing Deposit Share 16.67% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.4M
+31.4% YoY
+30.8% QoQ
|
+$17.9M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$189.1M
+37.4% YoY
+32.2% QoQ
|
+$50.0M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$198.1M
+35.2% YoY
+21.3% QoQ
|
+$14.5M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
-0.13%
+92.1% YoY
+79.6% QoQ
|
-1.21% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
0.54%
-76.6% YoY
-78.0% QoQ
|
-3.31% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
61.85%
-56.4% YoY
-49.7% QoQ
|
-5.88% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.05%
-50.5% YoY
-29.2% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
95.47%
+1.6% YoY
+9.0% QoQ
|
+20.94% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.73%
-49.4% YoY
-44.5% QoQ
|
-16.67% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.04%
-48.2% YoY
-28.4% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
18.44%
+34.1% YoY
+42.2% QoQ
|
+9.59% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.03%
-61.7% YoY
-46.7% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.54%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.73%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.47% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
71
71th pctile
Total Loans
Current: $189.1M · Tier avg: $139.2M
62
62th pctile
Efficiency Ratio
Current: 61.85% · Tier avg: 67.73%
59
59th pctile
Total Assets
Current: $235.4M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $198.1M · Tier avg: $183.7M
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.73% · Tier avg: 22.39%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
0
0th pctile
Net Interest Margin
Current: 0.54% · Tier avg: 3.85%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 0.54% · Tier avg: 3.85%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.73% · Tier avg: 22.39%
59
59th pctile
Total Deposits
Current: $198.1M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $235.4M · Tier avg: $217.5M
62
62th pctile
Efficiency Ratio
Current: 61.85% · Tier avg: 67.73%
71
71th pctile
Total Loans
Current: $189.1M · Tier avg: $139.2M
74
74th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.47% · Tier avg: 74.53%