| Metric | New Republic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +4.4% | -10.1 pts |
| Deposit growth (YoY) | -18.9% | +4.0% | -22.9 pts |
| Loan growth (YoY) | -16.4% | +5.6% | -22.0 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.3M | $138.0M | $119.1M | $37.1M | $2.0M | 1.88% | 3.46% | 0.10% |
| Q1 2026 | $238.9M | $201.4M | $187.9M | $36.1M | $972K | 1.64% | 3.23% | 0.08% |
| Q4 2025 | $235.4M | $198.1M | $189.1M | $35.2M | $-249K | -0.13% | 0.55% | 0.04% |
| Q3 2025 | $180.0M | $163.4M | $143.1M | $15.4M | $-868K | -0.62% | 2.47% | 0.06% |
| Q2 2025 | $187.1M | $170.2M | $142.6M | $15.6M | $-436K | -0.46% | 2.36% | 0.06% |
| Q1 2025 | $196.7M | $171.6M | $136.9M | $15.9M | $-221K | -0.47% | 2.24% | 0.06% |
| Q4 2024 | $179.2M | $146.6M | $137.7M | $15.9M | $-2.5M | -1.61% | 2.32% | 0.08% |
| Q3 2024 | $154.6M | $135.7M | $130.5M | $17.4M | $-1.2M | -1.06% | 2.36% | 0.10% |
Loan mix (Q2 2026): real estate $95.8M · commercial $8.5M · consumer $0 · securities $19.6M
| Ratio | New Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | New Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | New Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | New Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | New Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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