Total Assets
$2.7B
Total balance-sheet footings
FDIC Cert #19333 · Oak Brook, Illinois · Est. 1964
Republic Bank of Chicago - FDIC Bank Health Profile
A community-scale look at Republic Bank of Chicago's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.7B
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 17.8%
- Tier 1 capital
Data updated July 2026
The verdict
Republic Bank of Chicago earns a PlainBankData health grade of A (84/100), with well-capitalized at 17.85% Tier 1, profitable at 1.27% ROA, 61% efficiency ratio.
- #472
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 17.85%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Republic Bank of Chicago's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Republic Bank of Chicago's composite health score
Tier 1 Capital Ratio (17.85%) 40/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (7.53%) 16/20
Efficiency Ratio (60.51%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$34M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Republic Bank of Chicago ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Republic Bank of Chicago's score of 84/100 falls in the highlighted band.
Republic Bank of Chicago's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Republic Bank of Chicago's $2.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.85%
Texas Ratio
7.53%
Equity Capital
$358M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
10.00%
Efficiency Ratio
60.51%
What the numbers say about Republic Bank of Chicago
Republic Bank of Chicago is an FDIC-insured institution (Certificate #19333) headquartered in Oak Brook, Illinois, established in 1964. It holds $2.7B in total assets - 472nd of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $1.7B in net loans. On safety, its Tier 1 capital ratio of 17.85% is above the 10% well-capitalized threshold, and its Texas Ratio of 7.53% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Republic Bank of Chicago ranks 28th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$142M
Interest Income
$24M
Non-Interest Income
$72M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Republic Bank of Chicago reports a Texas Ratio of 7.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Republic Bank of Chicago (FDIC Cert #19333) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Republic Bank of Chicago's health grade?▼
Republic Bank of Chicago receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Republic Bank of Chicago?▼
Republic Bank of Chicago holds $2.7B in total assets and $2.3B in deposits, ranking 472nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Oak Brook, Illinois.
Is my money safe at Republic Bank of Chicago?▼
Yes, deposits at Republic Bank of Chicago (Certificate #19333) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Republic Bank of Chicago's Tier 1 Capital Ratio?▼
Republic Bank of Chicago has a Tier 1 Capital Ratio of 17.85%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Republic Bank of Chicago?▼
Republic Bank of Chicago has a Texas Ratio of 7.53%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Republic Bank of Chicago?▼
Republic Bank of Chicago has an Efficiency Ratio of 60.51%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Republic Bank of Chicago's profile as a depositor or analyst.
- Republic Bank of Chicago's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Republic Bank of Chicago against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.