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United Republic Bank

OVERALL
INSTITUTION HEALTH
B+
OVERVIEW /
COMMENTARY
REVIEWS
HEALTH RATING
RATES
LOCATIONS
ALERTS
Overview / Commentary
www.unitedrepublicbank.com
402-505-8500
111 North 181st Street
Omaha, NE 68154

United Republic Bank is headquartered in Omaha and is the 100th largest bank in the state of Nebraska. It is also the 4,881st largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 20 employees at 1 location. United Republic Bank's money market rates are 48% higher than the national average, and it has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. United Republic Bank has a relatively low asset base.

Texas Ratio

GRADE:
B

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 United Republic Bank had $2.52 million in non-current loans and owned real-estate with $12.97 million in equity and loan loss allowances on hand to cover it. This gives United Republic Bank a Texas Ratio of 19.44% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for United Republic Bank decreased slightly from 21.77% as of December 31, 2012 to 19.44% as of December 31, 2013, resulting in a positive change of 10.70%.This indicates that the balance sheet and financial strength for United Republic Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, United Republic Bank has increased its total deposits by $1.48 million, resulting in 1.86% 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 United Republic Bank has shown is above average.

Capitalization

GRADE:
A+

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. United Republic Bank has $94.44 million in assets with $12.97 million in equity, resulting in a capitalization level of 13.74%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58359
Year Established2006
Employees20
Primary RegulatorFDIC
Assets and Liabilities
Assets$94.44 million
Loans$76.34 million
Deposits$81.33 million
Equity Capital$11.88 million
Loan Loss Allowance$1.09 million
Real Estate Owned$2.52 million
Historic Data - December 2012
Assets$94.29 million
Equity Capital$10.63 million
Loan Loss Allowance$955,000
Real Estate Owned$2.52 million
Profit Margin - Quarterly
Net Interest Margin4.19%
Return on Assets1.32%
Return on Equity11.38%
Interest Income$4.31 million
Rates
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United Republic Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$25k-Health Savings Account
0.25%$25k-Business Health Savings Account
0.05%--Personal Savings
0.05%$100-Business Savings

United Republic Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.65%-$250kBusiness High Yield Money Market
0.65%-$250kPersonal High Yield Money Market
0.25%$500k-Business Money Market Account
0.25%$500k-Personal Money Market Account

United Republic Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Interest Checking
0.05%$1k-Business Interest Checking

United Republic Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.65%$1k-60 Month CD
1.65%$1k-Business 60 Month CD
1.50%$1k-48 Month CD
1.50%$1k-Business 48 Month CD
1.00%$1k-36 Month CD
1.00%$1k-23 Month Step-Up CD
1.00%$1k-Business 23 Month Step-Up CD
1.00%$1k-Business 36 Month CD
0.90%$1k-24 Month CD
0.90%$1k-Business 24 Month CD
0.85%$1k-21 Month CD Special
0.85%$1k-Business 21 Month CD Special
0.75%$1k-18 Month Step-Up CD
0.75%$1k-Business 18 Month Step-Up CD
0.50%$1k-18 Month CD
0.50%$1k-14 Month CD Special
0.50%$1k-Business 14 Month CD Special
0.50%$1k-Business 18 Month CD
0.25%$1k-12 Month CD
0.25%$1k-Business 12 Month CD
0.20%$1k-6 Month CD
0.20%$1k-Business 6 Month CD
0.10%$1k-1 Month CD
0.10%$1k-Business 1 Month CD

United Republic Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.65%$1k-60 Month IRA (Traditional,Roth)
1.65%$1k-Business 60 Month IRA (Traditional,Roth)
1.50%$1k-48 Month IRA (Traditional,Roth)
1.50%$1k-Business 48 Month IRA (Traditional,Roth)
1.00%$1k-23 Month Step-Up IRA (Traditional,Roth)
1.00%$1k-36 Month IRA (Traditional,Roth)
1.00%$1k-Business 23 Month Step-Up IRA (Traditional,Roth)
1.00%$1k-Business 36 Month IRA (Traditional,Roth)
0.90%$1k-24 Month IRA (Traditional,Roth)
0.90%$1k-Business 24 Month IRA (Traditional,Roth)
0.85%$1k-21 Month IRA Special (Traditional,Roth)
0.85%$1k-Business 21 Month IRA Special (Traditional,Roth)
0.75%$1k-18 Month Step-Up IRA (Traditional,Roth)
0.75%$1k-Business 18 Month Step-Up IRA (Traditional,Roth)
0.50%$1k-14 Month IRA Special (Traditional,Roth)
0.50%$1k-18 Month IRA (Traditional,Roth)
0.50%$1k-Business 14 Month IRA Special (Traditional,Roth)
0.50%$1k-Business 18 Month IRA (Traditional,Roth)
0.25%$1k-12 Month IRA (Traditional,Roth)
0.25%$1k-Business 12 Month IRA (Traditional,Roth)
0.20%$1k-6 Month IRA (Traditional,Roth)
0.20%$1k-Business 6 Month IRA (Traditional,Roth)
0.10%$1k-1 Month IRA (Traditional,Roth)
0.10%$1k-Business 1 Month IRA (Traditional,Roth)
Locations


United Republic Bank Locations
United Republic Bank111 North 181st StreetOmaha, NE 68118