The National Republic Bank of Chicago

The National Republic Bank of Chicago Locations
1201 West Harrison
Chicago, IL 60607
(312) 738-4900
www.nrbchicago.com

The National Republic Bank of Chicago is headquartered in Chicago and is the 28th largest bank in the state of Illinois. It is also the 502nd largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 62 employees at 2 locations. The National Republic Bank of Chicago has a 3-star health rating.

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Top 5-Year CD Rate at The National Republic Bank of Chicago - Nationally Available - 5/17/2012

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Competitive CD Rates Continue at The National Republic Bank of Chicago - Local Only - 12/10/2010

The National Republic Bank of Chicago continues to offer some competitive CD rates. The best ones continue to be mid-term CDs like the 3-year CD with a 2.12% APY and the 30-month CD with a 2.02% APY. ...

2.02% 30-Month CD And Other Top CD Rates In Chicago (Forum) - 10/30/2010

The National Republic Bank of Chicago has some competitive mid-term CD rates. Rates are down a little since my September blog post, but they remain competitive (as of 10/30/2010): 1.26% APY 1-year CD 1.41% APY 18-month CD 2.02% APY 2.5-year CD 2.12%

Competitive Mid-Term CD Rates at The National Republic Bank of Chicago - Local Only - 9/23/2010

The National Republic Bank of Chicago is offering a few competitive mid-term CD rates. The best ones include a 2.12% APY 30-month CD and a 2.22% APY 3-year CD. Minimum deposit is $1,000. These rates a ...

2010




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The National Republic Bank of Chicago CD Rates

ApyMinMaxProduct
1.81%$1k$100k5 Year CD
1.81%$100k-5 Year Jumbo CD
1.31%$1k$100k3 Year CD
1.31%$100k-3 Year Jumbo CD
1.11%$1k$100k30 Month CD
1.11%$100k-30 Month Jumbo CD
1.06%$1k$100k2 Year CD
1.06%$100k-2 Year Jumbo CD
0.95%$1k$100k18 Month CD
0.95%$100k-18 Month Jumbo CD
0.85%$1k$100k1 Year CD
0.85%$100k-1 Year Jumbo CD
0.45%$1k$100k182 Day CD
0.45%$100k-182 Day Jumbo CD
0.20%$1k-91 Day CD
0.05%$2,500-31 Day CD

Rates updated: 5/26/2012

Data for Q1 2012


Institution Statistics


The National Republic Bank of Chicago
FDIC Certificate #916
BankRate ReportView
Year Established1897
Employees62
Primary RegulatorOCC

Assets and Liabilities

Assets$1.33 billion
Loans$1.08 billion
Deposits$1.16 billion
Equity Capital$140.61 million
Loan Loss Allowance$18.59 million
Unbacked Noncurrent Loans$62.05 million
Real Estate Owned$10.92 million

Historic Data - March 2011

Assets$1.31 billion
Equity Capital$122.72 million
Loan Loss Allowance$14.66 million
Unbacked Noncurrent Loans$18.29 million
Real Estate Owned$16.70 million

Profit Margin - Quarterly

Net Interest Margin4.06%
Return on Assets2.31%
Return on Equity21.85%
Interest Income$19.79 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 The National Republic Bank of Chicago had $72.97 million in non-current loans and owned real-estate with $159.2 million in equity and loan loss allowances on hand to cover it. This gives The National Republic Bank of Chicago a Texas Ratio of 45.84% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for The National Republic Bank of Chicago increased slightly from 25.47% as of March 31, 2011 to 45.84% as of March 31, 2012, resulting in a negative change of 79.98%. This indicates that the balance sheet and financial strength for The National Republic Bank of Chicago has declined slightly in recent periods.
Deposit Growth3
In the past year, The National Republic Bank of Chicago has increased its total deposits by $2.01 million, resulting in 0.17% 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 The National Republic Bank of Chicago has shown is average.
Capitalization4
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. The National Republic Bank of Chicago has $1.33 billion in assets with $159.2 million in equity, resulting in a capitalization level of 11.95%, which is above average.
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