BlastPoint's Banking Scorecard

Republic Bank of Chicago

$1B-$10B Specialty: Commercial IL FDIC cert 19333

Designations: ✓ Community bank

Oak Brook, IL

20 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +0.3% year over year ($2.3B on the books).
Delinquency rate 1.29%.
Return on assets 1.36%.
Efficiency ratio 61.54% vs a 59.73% peer average.
Loan-to-deposit ratio 73.21% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Republic Bank of Chicago has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 42.0% in tier
- Nonperforming Asset Ratio 1.18% above tier average
- Efficiency Ratio 1.81% above tier average
- Delinquency Rate 0.42% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.6B -1.3% YoY +2.8% QoQ	-$182.1M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$1.7B -0.3% YoY +2.9% QoQ	-$306.1M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$2.3B +0.3% YoY +3.1% QoQ	-$55.3M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.36% +9.0% YoY -10.4% QoQ	-0.03%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	4.12% +7.0% YoY +2.2% QoQ	+0.24%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	61.54% -1.3% YoY +1.1% QoQ	+1.81%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	1.29% +117.5% YoY -3.2% QoQ	+0.42%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	73.21% -0.7% YoY -0.2% QoQ	-11.83%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	33.01% -1.7% YoY +0.1% QoQ	+11.74%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 10.5% in tier
Nonperforming Asset Ratio ?	1.85% -32.2% YoY -2.7% QoQ	+1.18%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 6.8% in tier
Tier 1 Capital Ratio ?	12.57% -26.9% YoY -1.6% QoQ	-2.27%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.60% +41.1% YoY +77.1% QoQ	+0.08%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 13.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	33.0% -0.6pp YoY 0.0pp QoQ	+11.6pp	21.4%	20.1%	22.2%	89%
Brokered Deposits	0.2% 0.0pp YoY 0.0pp QoQ	-9.2pp	9.5%	8.0%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	40.5% +2.7pp YoY +2.1pp QoQ	+26.5pp	14.0%	14.7%	12.5%	96%
CRE	54.4% -2.0pp YoY -2.0pp QoQ	+4.4pp	50.0%	37.9%	41.4%	63%
1-4 Family	5.9% -0.7pp YoY -0.1pp QoQ	-20.5pp	26.4%	28.3%	31.3%	8%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.4%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.9%	19.7%	n/a
Leverage Ratio	12.6% -1.0pp YoY -0.2pp QoQ	+1.3pp	11.3%	12.2%	12.6%	81%
Total Capital Ratio	n/a	n/a	16.7%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	301 +16 (+5.6%) YoY +7 (+2.4%) QoQ	-13	313	228	482	65%
Assets per Employee ($)	$8.7M -6.5% YoY +0.4% QoQ	-$1.8M	$10.5M	$8.3M	$8.8M	50%
Branch Count	20 +1 (+5.3%) YoY 0 QoQ	-0	20	10	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	1.3% +0.7pp YoY 0.0pp QoQ	+0.5pp	0.8%	1.1%	1.0%	81%
Allowance Coverage	0.92x -59.6% YoY +3.3% QoQ	-17.79x	18.71x	5.62x	20.23x	20%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.7% +0.7pp YoY -1.1pp QoQ	-1.9pp	12.6%	10.5%	11.6%	39%
Cost of Funds (YTD)	1.7% -0.5pp YoY +0.1pp QoQ	-0.2pp	1.9%	1.6%	1.7%	39%
Net Income ($, YTD)	$17.8M +8.0% YoY — QoQ	-$1.4M	$19.2M	$11.7M	$40.4M	66%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#69 of 162 • Bottom 42.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.36%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 33.01%

Peer Median: 21.27%

#94 of 885 Top 10.5% in $1B-$10B

118

Non-Interest Income / Assets

revenue_mix

Value: 0.60%

Peer Median: 0.53%

#118 of 885 Top 13.2% in $1B-$10B

181

Loan-to-Deposit Ratio

liquidity

Value: 73.21%

Peer Median: 85.04%

#181 of 885 Top 20.3% in $1B-$10B

Top Weaknesses (2 metrics)

826

Nonperforming Asset Ratio

credit_quality

Value: 1.85%

Peer Median: 0.67%

#826 of 885 Bottom 6.8% in $1B-$10B

698

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.87%

#698 of 882 Bottom 21.0% in $1B-$10B