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Overview / Commentary
2221 Camden Court
Oak Brook, IL 60523

Republic Bank of Chicago is headquartered in Oak Brook and is the 28th largest bank in the state of Illinois. It is also the 504th largest bank in the nation. It was established in 1964 and as of December of 2013, it had grown to 243 employees at 16 locations. Republic Bank of Chicago has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Republic Bank of Chicago had $62.24 million in non-current loans and owned real-estate with $161.69 million in equity and loan loss allowances on hand to cover it. This gives Republic Bank of Chicago a Texas Ratio of 38.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Republic Bank of Chicago decreased slightly from 46.41% as of December 31, 2012 to 38.49% as of December 31, 2013, resulting in a positive change of 17.06%.This indicates that the balance sheet and financial strength for Republic Bank of Chicago has improved slightly in recent periods.

Deposit Growth


In the past year, Republic Bank of Chicago has increased its total deposits by $50.57 million, resulting in 4.81% 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 Republic Bank of Chicago 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. Republic Bank of Chicago has $1.34 billion in assets with $161.69 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

Institution Statistics

FDIC Certificate #19333
Year Established1964
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.34 billion
Loans$865.27 million
Deposits$1.10 billion
Equity Capital$147.28 million
Loan Loss Allowance$14.42 million
Unbacked Noncurrent Loans$22.11 million
Real Estate Owned$40.13 million
Historic Data - December 2012
Assets$1.29 billion
Equity Capital$153.61 million
Loan Loss Allowance$17.46 million
Unbacked Noncurrent Loans$22.11 million
Real Estate Owned$43.28 million
Profit Margin - Quarterly
Net Interest Margin4.29%
Return on Assets1.2%
Return on Equity10.48%
Interest Income$53.76 million

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Republic Bank of Chicago has 16 locations. Click to view all Republic Bank of Chicago locations.