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111 Pine Street
San Francisco, CA 94111

First Republic Bank is headquartered in San Francisco and is the 3rd largest bank in the state of California. It is also the 39th largest bank in the nation. It was established in 2010 and as of March of 2014, it had grown to 2,391 employees at 67 locations. First Republic Bank has a A+ health rating.

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Reviews (5)

Not Your Mega-Bank

We've had various accounts with First Republic, off and on, for quite a few years (I was actually one of their first customers when they opened on Pine Street in San Francisco). Our most recent experience is our re-fi. Can't find any aspect of the transaction thus far below five stars. The "bank" itself feels more like a club room. No teller windows, just bankers at desks (no waiting in line, just have a seat). The only reason I notched it down from five stars to four would be their CD rates. Used to be stellar, now sub-par. Bottom line: if you live in an area serviced by First Republic (we're in Northern California), check them out.

Old-fashioned banking. Your "personal banker" will actually give you his or her card, with e-mail address, direct dial and cell numbers, and (more importantly) answer his or her phone when you call, or (at minimum) call you right back. End of voice-mail hell.

BE AWARE. You Could Lose Your Money Too!!!!

BE AWARE!! I have lost a lot of money with them!!! I used to like this bank, until I actually realize they had made a mistake and sent my money order 2x. They cost me a lot of money. It is an inexcusable mistake for a bank. The worst part is that they did not return my money, even though  they admitted making a mistake. Don't trust a bank that cannot stand by their clients. You could be next. If you experience any issues with them please let me know. I need support to recover my money.

CD's Buyers Beware

Be Cautious about NEW CD "Products".  One "otherwise Attractive" CD Product requires a customer to open a New Checking Account with a modest Minimum Balance.  The small minimum balance may be a little nuisance, but it is NOT the problem.  The problem IS that one must wait about 2 days to actually "purchase" the New CD.  So don't be tempted to deposit your check (for the amount of the CD and the "minimum checking account balance") into the New Checking Account, because you won't be credited (at the CD Rate) for the 2 days that your money sits in the checking account. 

First Republic COULD make the CD's Date of Issue the day you deposit your cashiers check in the institution (LIKE MOST BANKS DO), but they'd miss out on all the extra gravy from this "trick".  You may think YOUR lost interest is not worth the hassle, but to the Bank, it's not peanuts.  For example, $2 billion (a GUESS) @ 3% APY (a GUESS) for 2 days is >$328,000.00.--a pretty nice bonus for the the Bank's CEO.

Best Bank Ever

Truly the best bank I have ever been a part of. I have been a part of three other banks. Before that, I won't name names. I currently have two accounts, one at First Republic, and another at a large national bank. I love that I can call First Republic, and they know who I am, just by my voice. I have had some minor problems like not being refunded for ATM fees. Instead of causing a large fuss, they opened a case for me, went back a month and researched why my ATM fee was not given to me. All this work for $3. They do whatever it takes to make a problem right. (and free warm cookies are a plus)

You Decide For Yourself

Became a customer with high hopes. Started off OK because I believed the empty promises. trouble started while trying to get my online account stated. spent 1/2 hour getting no where. Tried again 2 days later and when i spoke to technical support they told me there was a problem with the system. Told my banker Andy Hartman about the problems and he offered to send out checks for me to my payees from my account.. Spent another 4 hours trying to get a repeat wire transfer set up. No one in technical support including the of the supervisor could solve the dept could fix the issue. Had enough and asked to be compensated for the wasted hours I spent no surprise it was refused and Andy and agreed to close the account not before reminding me he sent out the checks from my account which he seemed to want a medal for which just seemed like his job After not being able to send out funds from my online banking. Immediately after closing the account he emails me that I would have to change my direct deposits. I was expectinting deposits so I said let's keep the accounts opened until I could straighten out the direct deposit situation to which I was told to late. If he had explained this prior to closing the acct of course I would have waited. Again when told him of my frustration his response well I took care of paying the bills. Yes Andy you did your job in paying the bills when I couldn't because your system wasn't working and could not be fixed. I have heard anybody getting a medal for doing their job. Still working on fixing the direct deposit problems you caused. thanks for nothing!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Republic Bank had $55.31 million in non-current loans and owned real-estate with $4.65 billion in equity and loan loss allowances on hand to cover it. This gives First Republic Bank a Texas Ratio of 1.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Republic Bank decreased slightly from 1.53% as of March 31, 2013 to 1.19% as of March 31, 2014, resulting in a positive change of 22.22%.This indicates that the balance sheet and financial strength for First Republic Bank has improved slightly in recent periods.

Deposit Growth


In the past year, First Republic Bank has increased its total deposits by $6.71 billion, resulting in 25.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Republic Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Republic Bank has $44.35 billion in assets with $4.65 billion in equity, resulting in a capitalization level of 10.49%, which is above average.

Institution Statistics

FDIC Certificate #59017
Year Established2010
Primary RegulatorFDIC
Assets and Liabilities
Assets$44.35 billion
Loans$34.94 billion
Deposits$33.57 billion
Equity Capital$4.49 billion
Loan Loss Allowance$159.64 million
Unbacked Noncurrent Loans$52.11 million
Real Estate Owned$3.20 million
Historic Data - March 2013
Assets$35.08 billion
Equity Capital$3.52 billion
Loan Loss Allowance$136.10 million
Unbacked Noncurrent Loans$52.11 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.06%
Return on Equity10.6%
Interest Income$359.08 million

Always verify rates and promotions with the bank or credit union. We are not First Republic Bank, we are a rate comparison website and can not provide official rates or promotions.

First Republic Bank Savings Account Rates

0.12%$150k-Passbook Savings

First Republic Bank Money Market Rates

0.10%$150k-Money Market Savings
0.08%$150k-Money Market Checking
0.02%$50k-Business Money Market

First Republic Bank Checking Account Rates

0.01%$3,500-ATM Rebate Checking

First Republic Bank CD Rates

2.10%$10k$1m6 Year CD
2.00%$10k$1m5 Year CD
1.60%$10k$1m4 Year CD
1.20%$10k$1m3 Year CD
0.80%$10k$1m2 Year CD
0.70%$10k$1m20 Month CD Special
0.50%$10k$1m18 Month CD
0.35%$10k$1m12 Month CD
0.15%$10k$1m15 Month Liquid CD Special
0.10%$10k$1m6 Month CD
0.05%$10k$1m3 Month CD
0.05%$25k$1m30 Day CD

First Republic Bank has 66 locations. Click to view all First Republic Bank locations.