Republic Bank of Chicago
Oak Brook, Illinois, Dupage County
$2.6B in total assets, the 495th largest of 4,309 US banks and 32nd of 328 headquartered in Illinois.
- FDIC certificate
- 19333
- Established
- 1964
- Owned by
- Republic Bcorp Co
- Primary regulator
- FDIC
- Website
- www.republicebank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.6B | 46% | $2.7B | |
| Loans | $1.7B | 36% | $2.1B | |
| Deposits | $2.3B | 46% | $2.3B | |
| Return on assets | 1.34% | 45% | 1.42% | |
| Net interest margin | 4.12% | 84% | 3.53% | |
| Efficiency ratio | 61.5% | 69% | 51.0% | |
| Equity to assets | 12.34% | 88% | 9.97% | |
| Loans to deposits | 74% | 8% | 87% |
Growth
Total assets grew 0.1% a year over the last 5 years and 4.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2015 | Edgebrook Bank Chicago, IL | $90M |
| May 2014 | AztecAmerica Bank Berwyn, IL | $66M |
| Jan 2014 | DuPage National Bank West Chicago, IL | $54M |
| Apr 2010 | Citizens Bank and Trust Company of Chicago Chicago, IL | $73M |
| Jun 2009 | Bank of Lincolnwood Lincolnwood, IL | $213M |
| Jan 2009 | National Bank of Commerce Berkeley, IL | $420M |
| Aug 1994 | First Cook Community Bank, F.S.B. Chicago, IL | $228M |
Where they operate
20 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cook County, IL | $1.2B | 0.2% | 31 of 90 |
| Dupage County, IL | $1.0B | 1.9% | 13 of 43 |
| Will County, IL | $64M | 0.3% | 26 of 34 |
| Lake County, IL | $5M | 0.0% | 29 of 30 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (19 to 20, +5.3%). 2 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2021 | Opened Vernon HillsClosed Hinsdale | 1 | 1 | 0 | 19 |
| 2026 through Q2 | Opened Chicago | 1 | 0 | +1 | 20 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 40% | 26% | |
| Commercial real estate | 33% | 28% | |
| Construction and land | 15% | 7% | |
| 1-4 family residential | 6% | 14% | |
| Multifamily | 6% | 9% | |
| Consumer | 0% | 6% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 55% | |
| Noninterest-bearing | 33% | 20% | |
| Time deposits | 23% | 24% |
Brokered deposits are 0.2% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.27% | 0.49% |
| Net charge-offs, annualized | 0.02% | 0.08% |
| Reserves to loans | 1.18% | 1.07% |
| Leverage ratio | 12.57% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Cook County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/republic-chicago