BlastPoint's Banking Scorecard

New Republic Bank

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

Charlotte, NC

2 branches across NC

2664 banks in the $100M-$1B peer group nationally 17 in NC

New Republic Bank has 3 strengths 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

+ ROA 0.37% above tier average
+ Efficiency Ratio 9.65% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 1.0% in tier
- Credit Quality Pressure: Bottom 7.3% in tier
- Liquidity Overhang: Bottom 20.6% in tier
- Net Interest Margin 0.70% below tier average

Get updates when New Republic Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$238.9M +21.4% YoY +1.5% QoQ	-$147.2M	$386.1M +0.5% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	35%
Total Loans ?	$187.9M +37.3% YoY -0.6% QoQ	-$67.8M	$255.7M +1.1% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$201.4M +17.3% YoY +1.7% QoQ	-$126.6M	$328.0M +0.1% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.64% +448.6% YoY	+0.37%	1.27% +12.9% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.23% +44.2% YoY +489.0% QoQ	-0.70%	3.93% +6.0% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	55.63% -54.0% YoY -10.5% QoQ	-9.65%	65.29% -4.5% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.10% +20.8% YoY +91.4% QoQ	-0.78%	0.89% +18.8% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	93.31% +17.0% YoY -2.3% QoQ	+16.67%	76.64% +0.8% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	6.44% -39.1% YoY +12.4% QoQ	-15.58%	22.02% -1.0% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Bottom 5.1% in tier
Nonperforming Asset Ratio ?	0.08% +36.5% YoY +87.5% QoQ	-0.56%	0.64% +19.7% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	19.70% +47.2% YoY +4.0% QoQ	+3.87%	15.83% +1.5% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	Top 14.0% in tier
Non-Interest Income / Assets ?	0.12% +540.5% YoY +300.0% QoQ	-0.16%	0.28% +9.3% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	61%

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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 (3)

NIB Deposit Bleed

decline

#3 of 198 • Bottom 1.0% 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: 6.44%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Credit Quality Pressure

risk

#97 of 1308 • Bottom 7.3% in tier

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

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#153 of 739 • Bottom 20.6% 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: 19.70%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.31%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

375

Tier 1 Capital Ratio

capital

Value: 19.70%

Peer Median: 15.83%

#375 of 2664 Top 14.0% in $100M-$1B

Top Weaknesses (3 metrics)

2529

Non-Interest-Bearing Deposit Share

funding

Value: 6.44%

Peer Median: 22.02%

#2529 of 2664 Bottom 5.1% in $100M-$1B

2199

Loan-to-Deposit Ratio

liquidity

Value: 93.31%

Peer Median: 76.64%

#2199 of 2664 Bottom 17.5% in $100M-$1B

2161

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.93%

#2161 of 2664 Bottom 18.9% in $100M-$1B