Republic Bank & Trust (OK)

Republic Bank & Trust (OK) is headquartered in Norman and is the 33^rd largest bank in the state of Oklahoma. It is also the 1,722^nd largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 129 employees at 5 locations. Republic Bank & Trust (OK) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Republic Bank & Trust FDIC Certificate # 27286 BankRate Report View Year Established 1988 Employees 129 Primary Regulator FDIC Assets and Liabilities Assets $386.87 million Loans $234.30 million Deposits $350.52 million Equity Capital $35.36 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $2.06 million Historic Data - March 2011 Assets $331.95 million Equity Capital $29.68 million Loan Loss Allowance $3.24 million Unbacked Noncurrent Loans $3.72 million Real Estate Owned $458,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.62% Return on Equity 18.51% Interest Income $4.14 million

Institution Health Overall Score: 4 out of 5 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 March 31, 2012 Republic Bank & Trust (OK) had $4.82 million in non-current loans and owned real-estate with $38.96 million in equity and loan loss allowances on hand to cover it. This gives Republic Bank & Trust (OK) a Texas Ratio of 12.38% which is above 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 & Trust (OK) held steady from 12.68% as of March 31, 2011 to 12.38% as of March 31, 2012, resulting in a positive change of 2.41%.This indicates that the balance sheet and financial strength for Republic Bank & Trust (OK) has held steady in recent periods. Deposit Growth In the past year, Republic Bank & Trust (OK) has increased its total deposits by $49.81 million, resulting in 16.56% 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 & Trust (OK) has shown is excellent. Capitalization 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 & Trust (OK) has $386.86 million in assets with $38.96 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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