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New Republic Bank

$100M-$1B Specialty: Commercial NC FDIC cert 34860

Roanoke Rapids, NC

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in NC.
  • Deposits -18.9% year over year ($138.0M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.88%.
  • Efficiency ratio 59.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.32% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 17 in NC
View $100M-$1B leaderboard (NC) →

New Republic Bank has 3 strengths but faces 6 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

  • + Profitability Leader: Top 12.4% in tier
  • + Efficiency Ratio 4.90% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 3.5% in tier
  • - Liquidity Overhang: Bottom 6.1% in tier
  • - NIB Deposit Bleed: Bottom 8.6% in tier
  • - Credit Quality Pressure: Bottom 15.5% in tier
  • - Capital Constraint: Bottom 82.2% in tier
  • - Net Interest Margin 0.52% below tier average
Get updates when New Republic Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $176.3M
-5.8% YoY -26.2% QoQ
-$210.3M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
21%
Total Loans ? $119.1M
-16.5% YoY -36.6% QoQ
-$139.2M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $138.0M
-18.9% YoY -31.5% QoQ
-$188.8M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.88%
+503.9% YoY +14.5% QoQ
+0.55% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 3.46%
+47.0% YoY +7.1% QoQ
-0.52% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 59.58%
-48.8% YoY +7.1% QoQ
-4.90% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.15%
+93.8% YoY +48.8% QoQ
-0.76% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 86.32%
+3.0% YoY -7.5% QoQ
+8.37% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 6.05%
-34.4% YoY -6.1% QoQ
-15.98% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
Bottom 4.9% in tier
Nonperforming Asset Ratio ? 0.10%
+71.8% YoY +27.8% QoQ
-0.57% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 31.98%
+138.9% YoY +62.3% QoQ
+16.07% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
Top 3.3% in tier
Non-Interest Income / Assets ? 0.22%
+484.4% YoY +83.9% QoQ
-0.35% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
55%

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 (NC) National Avg Tier Percentile
Noninterest-Bearing 6.0%
-3.2pp YoY
-0.4pp QoQ
 -16.1pp 22.1% 21.8% 22.2% 4%
Brokered Deposits 4.3%
-5.3pp YoY
-0.8pp QoQ
 -3.5pp 7.9% 7.7% 8.5% 47%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 7.2%
-3.6pp YoY
-1.8pp QoQ
 -4.4pp 11.6% 10.5% 12.5% 34%
CRE 40.6%
+11.1pp YoY
-6.9pp QoQ
 +1.1pp 39.5% 46.3% 41.4% 54%
1-4 Family 39.8%
-9.5pp YoY
+4.8pp QoQ
 +7.1pp 32.6% 44.2% 31.3% 70%
Consumer n/a n/a 4.1% 1.6% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 32.0%
+18.6pp YoY
+12.3pp QoQ
 +13.2pp 18.8% 22.8% 19.7% 94%
Leverage Ratio 15.8%
+7.7pp YoY
+1.9pp QoQ
 +3.6pp 12.2% 14.4% 12.6% 90%
Total Capital Ratio 33.2%
+18.7pp YoY
+12.3pp QoQ
 +13.3pp 19.9% 23.8% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 21
-1 (-4.5%) YoY
-1 (-4.5%) QoQ
 -38 58 5,103 482 12%
Assets per Employee ($) $8.4M
-1.3% YoY
-22.7% QoQ
 +$878K $7.5M $9.4M $8.8M 73%
Branch Count 1
-1 (-50.0%) YoY
-1 (-50.0%) QoQ
 -4 4 170 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 25%
Allowance Coverage 7.21x
-35.7% YoY
-31.1% QoQ
 -16.95x 24.15x 3.36x 20.23x 77%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 11.3%
+16.8pp YoY
+0.4pp QoQ
 -0.9pp 12.2% 8.7% 11.6% 45%
Cost of Funds (YTD) 3.1%
-0.6pp YoY
+0.1pp QoQ
 +1.3pp 1.7% 1.8% 1.7% 98%
Net Income ($, YTD) $2.0M
+566.7% YoY
— QoQ
 -$520K $2.6M $518.0M $40.4M 53%

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 (1)

Profitability Leader

growth
#83 of 661 • Top 12.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.88%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (5)

Deposit Outflow

decline
#20 of 535 • Bottom 3.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#46 of 742 • Bottom 6.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.98%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.32%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#15 of 162 • Bottom 8.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 6.05%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#196 of 1256 • Bottom 15.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Capital Constraint

risk
#89 of 107 • Bottom 82.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 86.32%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 31.98%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

88
Tier 1 Capital Ratio
capital
Value: 31.98%
Peer Median: 15.91%
#88 of 2643 Top 3.3% in $100M-$1B
442
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.32%
#442 of 2643 Top 16.7% in $100M-$1B

Top Weaknesses (4 metrics)

2515
Non-Interest-Bearing Deposit Share
funding
Value: 6.05%
Peer Median: 22.03%
#2515 of 2643 Bottom 4.9% in $100M-$1B
2177
Total Deposits
size
Value: $137.97M
Peer Median: $326.73M
#2177 of 2643 Bottom 17.7% in $100M-$1B
2096
Total Assets
size
Value: $176.32M
Peer Median: $386.57M
#2096 of 2643 Bottom 20.7% in $100M-$1B
1988
Total Loans
size
Value: $119.10M
Peer Median: $258.35M
#1988 of 2643 Bottom 24.8% in $100M-$1B
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