Total Assets
$197M
Total balance-sheet footings
FDIC Cert #58359 · Elkhorn, Nebraska · Est. 2006
United Republic Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $197M
- Total assets
- D
- Health grade · Weak
- -1.38%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
United Republic Bank earns a PlainBankData health grade of D (44/100), with well-capitalized at 10.81% Tier 1, -1.38% ROA, 117% efficiency ratio.
- #3,026
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 10.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How United Republic Bank's 44/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Republic Bank's composite health score
Tier 1 Capital Ratio (10.81%) 28/40
Return on Assets (ROA) (-1.38%) 0/25
Texas Ratio (12.99%) 16/20
Efficiency Ratio (117.02%) 0/15
44 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$156M
Customer-funded liabilities
Net Loans
$146M
Outstanding loan book
Net Income
$-2,844K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Republic Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Republic Bank's score of 44/100 falls in the highlighted band.
United Republic Bank'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). United Republic Bank's $197M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.81%
Texas Ratio
12.99%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.38%
Return on Equity (ROE)
-10.60%
Efficiency Ratio
117.02%
What the numbers say about United Republic Bank
United Republic Bank is an FDIC-insured institution (Certificate #58359) headquartered in Elkhorn, Nebraska, established in 2006. It holds $197M in total assets - 3,026th of 4,313 FDIC-insured banks, $156M in customer deposits, and $146M in net loans. Its capital position: a Tier 1 ratio of 10.81%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 12.99% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (44 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
United Republic Bank sits 81st of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$-331K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Republic Bank reports a Texas Ratio of 12.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at United Republic Bank
United Republic Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,844K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at United Republic Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Republic Bank (FDIC Cert #58359) - 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 Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is United Republic Bank's health grade?▼
United Republic Bank receives a health grade of D (44/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is United Republic Bank?▼
United Republic Bank holds $197M in total assets and $156M in deposits, ranking 3,026th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elkhorn, Nebraska.
Is my money safe at United Republic Bank?▼
Yes, deposits at United Republic Bank (Certificate #58359) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Republic Bank's Tier 1 Capital Ratio?▼
United Republic Bank has a Tier 1 Capital Ratio of 10.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Republic Bank?▼
United Republic Bank has a Texas Ratio of 12.99%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Republic Bank?▼
United Republic Bank has an Efficiency Ratio of 117.02%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Republic Bank's profile as a depositor or analyst.
- United Republic Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Republic Bank against other Nebraska banks before moving funds. Nebraska 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.