New Republic Bank
Charlotte, NC
IDRSSD: 2754222
Total Assets
$180.05M
Latest filing
Total Deposits
$163.36M
Latest filing
Net Interest Margin
2.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
New Republic Bank
521 E Morehead St
Charlotte, NC 28202
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/15/1998FDIC Certificate 61823
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| New Republic Bank (Main) | 521 E Morehead St | Charlotte, NC |
| ROANOKE RAPIDS BRANCH | 420 Becker Dr | Roanoke Rapids, NC |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/15/1998 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28202 |
| State and County Number | 37119 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlotte-Concord-Gastonia, NC-SC |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/15/1998 |
| Primary Insurance Agency | DIF |
| Website | newrepublicbank.com |
| Data Updated | 11/14/2025 |
| CERT | 34860 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $180.05M |
| Total Deposits | $163.36M |
| Total Liabilities | $164.67M |
| Total Equity Capital | $15.38M |
| Net Income | $-432,000 |
| Net Loans and Leases | $143.08M |
| Assets Per Employee ($Millions) | $7.83M |
| Bank Premises and Fixed Assets | $887.00k |
| Cash and Balances due from Depository Institutions | $2.78M |
| Deposits Held in Domestic Offices | $163.36M |
Key Performance Ratios
| Return on Assets (ROA) | -0.94% |
| Return on Equity (ROE) | -11.14% |
| Net Interest Margin | 2.67% |
| Efficiency Ratio | 135.02% |
| Tier 1 Risk-Based Capital Ratio | 12.971% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.542% |
| Earning Assets to total Assets | 95.74% |
Income and Expense
| Total Interest Income | $2.66M |
| Total Noninterest Income | $30.00k |
| Total Interest Expense | $1.49M |
| Total Noninterest Expense | $1.63M |
| Net Interest Income | $1.18M |
| Pre-tax Net Operating Income | $-432,000 |
| Provision for Credit Losses | $9.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.10M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $180.05M |
Securities
| Securities | $21.77M |
| Available-for-sale debt securities | $21.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of New Republic Bank?
$180.05M as of the latest filing.
How much are New Republic Bank's total deposits?
$163.36M in total deposits.
Where is New Republic Bank located?
Charlotte, NC.
What is the Net Interest Margin?
2.67%.
How many domestic offices does it operate?
2.
When was it established?
12/15/1998.
What is the Return on Assets (ROA)?
-0.94%.
How much are total loans and leases?
$143.08M (latest filing).
What is the total interest income (latest filing)?
$2.66M.