BlastPoint's Banking Scorecard
Republic Bank of Chicago
Designations: ✓ Community bank
Oak Brook, IL
20 branches across IL
Republic Bank of Chicago has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 38.0% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 0.19% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Nonperforming Asset Ratio 1.23% above tier average
- - Delinquency Rate 0.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
-4.2% YoY
-6.7% QoQ
|
-$276.6M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$1.6B
-7.0% YoY
-3.4% QoQ
|
-$354.6M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$2.2B
-3.5% YoY
-6.0% QoQ
|
-$148.8M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.51%
+41.9% YoY
+18.9% QoQ
|
+0.15% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.03%
+9.9% YoY
+0.2% QoQ
|
+0.21% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
60.87%
-6.9% YoY
+0.6% QoQ
|
-0.19% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.33%
-68.9% YoY
-22.1% QoQ
|
+0.44% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
73.38%
-3.6% YoY
+2.7% QoQ
|
-10.83% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
32.98%
+2.2% YoY
+3.2% QoQ
|
+11.70% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 11.7% in tier |
| Nonperforming Asset Ratio ? |
1.90%
-34.0% YoY
-42.5% QoQ
|
+1.23% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.0% in tier |
| Tier 1 Capital Ratio ? |
12.78%
-22.1% YoY
-28.4% QoQ
|
-2.38% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.34%
+70.8% YoY
-62.1% QoQ
|
+0.08% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 10.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.