Republic Bank of Chicago
Oak Brook, Illinois · $2.61B in assets · beside the 11 other Illinois banks between $1B and $3B
The filing
Republic Bank of Chicago is the sixth largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.61B in assets at 30 June 2026. Loans are 74.1% of deposits, the lowest in the cohort against a median of 89.0%, and equity is 12.3% of assets, the highest in the cohort. Loans grew -0.5% in the year, 10th of 12, and deposits grew 0.3%; the cohort's median loan growth is +6.3%.
Noncurrent loans are 1.27% of the book, the highest in the cohort against a median of 0.37%; 0.27% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 46.1% of loans, 9th of 12 against a median of 32.1%, and 227% of capital, below the 300% screen, with construction at 75% against the 100% screen.
Return on assets is 1.32%, 9th of 12 against a median of 1.43%, on an efficiency ratio of 61.5%, 8th of 12. Five years ago it was 1.69%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| Republic Bank of Chicago | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 227% | 5th of 12 | 267% |
| Construction against capital, the 100% screen | 75% | 10th of 12 | 41% |
| Construction and land development, share of loans | 15.2% | 11th of 12 | 5.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 25.4% | 10th of 12 | 13.6% |
| Total CRE, the guidance definition, share of loans | 46.1% | 9th of 12 | 32.1% |
| CRE growth over 36 months, the third prong | -1.4% | 5th of 12 | +14.8% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.85B | 1.8% | 52.8% | 0.03% | -0.02% | 1.2% | 94.6% | 10.7% | |
| $2.81B | 1.4% | 37.2% | 0.18% | 0.07% | 0.5% | 87.7% | 10.1% | |
| $2.69B | 1.6% | 58.0% | 0.40% | 0.29% | 0.7% | 91.0% | 9.9% | |
| $2.68B | 1.2% | 63.8% | 1.10% | 0.10% | 1.1% | 80.9% | 9.1% | |
| $2.64B | 1.8% | 51.0% | 0.76% | 0.01% | 1.1% | 90.3% | 8.1% | |
| $2.61B | 1.3% | 61.5% | 1.27% | 0.02% | 1.2% | 74.1% | 12.3% | |
| $2.56B | 1.7% | 34.5% | 0.11% | 0.04% | 0.5% | 84.3% | 9.3% | |
| $2.26B | 1.5% | 34.0% | 0.34% | 0.13% | 0.8% | 94.0% | 8.9% | |
| $2.23B | 0.3% | 80.2% | 1.09% | 0.14% | 0.8% | 85.7% | 8.9% | |
| $2.09B | 0.7% | 74.2% | 0.10% | 0.04% | 1.0% | 80.6% | 9.1% | |
| $2.08B | 1.5% | 62.1% | 0.84% | 0.23% | 1.2% | 99.8% | 8.6% | |
| $2.07B | 1.3% | 50.9% | 0.29% | 0.02% | 1.5% | 95.2% | 9.1% |
| Republic Bank of Chicago | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.49B | $1.68B | +13% | $1.23B | $1.85B | +50% |
| Deposits | $2.19B | $2.26B | +3% | $1.42B | $2.24B | +57% |
| NPA / loans | 1.61% | 1.27% | -0.33 pts | 0.37% | 0.37% | -0.00 pts |
| Efficiency | 44.0% | 61.5% | +17.5 pts | 59.3% | 55.4% | -3.9 pts |
| ROA | 1.69% | 1.32% | -0.38 pts | 1.11% | 1.43% | +0.33 pts |
This read was prepared for Republic Bank of Chicago's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Republic Bank of Chicago is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution www.republicebank.com
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