| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +5.5% | -6.7 pts |
| Deposit growth (YoY) | +0.3% | +5.1% | -4.7 pts |
| Loan growth (YoY) | -0.3% | +5.9% | -6.3 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 10.7% | 12.2% | -1.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.61B | $2.26B | $1.66B | $322.2M | $17.8M | 1.36% | 4.12% | 1.85% |
| Q1 2026 | $2.54B | $2.19B | $1.61B | $315.0M | $10.0M | 1.51% | 4.03% | 1.90% |
| Q4 2025 | $2.72B | $2.33B | $1.67B | $358.0M | $33.7M | 1.27% | 4.02% | 3.31% |
| Q3 2025 | $2.59B | $2.22B | $1.66B | $348.3M | $25.7M | 1.30% | 3.96% | 2.96% |
| Q2 2025 | $2.64B | $2.26B | $1.66B | $337.0M | $16.5M | 1.24% | 3.85% | 2.74% |
| Q1 2025 | $2.65B | $2.27B | $1.73B | $326.5M | $7.1M | 1.07% | 3.66% | 2.89% |
| Q4 2024 | $2.65B | $2.23B | $1.73B | $317.4M | $28.6M | 1.05% | 3.56% | 2.84% |
| Q3 2024 | $2.83B | $2.31B | $1.83B | $314.8M | $20.7M | 1.00% | 3.51% | 2.23% |
Loan mix (Q2 2026): real estate $1.00B · commercial $671.8M · consumer $952K · securities $558.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Republic Bank of Chicago | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
74th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 59.0% | 58th |
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 | Republic Bank of Chicago | 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 | Republic Bank of Chicago | 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 | Republic Bank of Chicago | 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 | Republic Bank of Chicago | 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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