Republic Bank of Chicago
Oak Brook, Illinois · FDIC Cert #19333
Republic Bank of Chicago is an FDIC-insured bank (Certificate #19333) with $2.8B in total assets and $2.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Oak Brook, Illinois, the bank maintains a Tier 1 capital ratio of 14.43% (Well-Capitalized) and a nonperforming loan ratio of 2.82%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Republic Bank of Chicago (FDIC cert 19333) is a mid-sized bank with $2.8B in total assets and $2.2B in deposits, based in Oak Brook, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.43% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.82% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 28.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.29% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Republic Bank of Chicago carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Republic Bank of Chicago
- Total Assets
- $2.8B
- Total Deposits
- $2.2B
- Tier 1 Capital Ratio
- 14.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.82%
- Liquidity Ratio
- 28.69%
- Return on Assets
- 1.29%
- Headquarters
- Oak Brook, Illinois
- FDIC Certificate
- #19333
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Republic Bank of Chicago holds a Tier 1 capital ratio of 14.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Republic Bank of Chicago has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Republic Bank of Chicago shows strong financial health indicators. With $2.8B in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Republic Bank of Chicago Compares
Republic Bank of Chicago’s Health Score of 77 is 5 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 14.43% Tier 1 capital ratio is 0.4 points above the US banking industry average near 14%. The 2.82% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.29% is in line with or above the national ROA benchmark of ~1.1%. Among 481 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Republic Bank of Chicago is 7 points above the portfolio average of 70.
Frequently Asked Questions
Republic Bank of Chicago has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Republic Bank of Chicago's Tier 1 capital ratio of 14.43% and nonperforming loan ratio of 2.82% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Republic Bank of Chicago is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19333). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Republic Bank of Chicago holds $2.8B in total assets and $2.2B in total deposits. It is headquartered in Oak Brook, Illinois (FDIC Certificate #19333).
Republic Bank of Chicago has a Tier 1 capital ratio of 14.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.82%, and the return on assets is 1.29%.
Yes. Republic Bank of Chicago is FDIC-insured (Certificate #19333). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Republic Bank of Chicago's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.