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Republic Bank Of Chicago

IDRSSD: 671334
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #671334 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -43

The five pillars

Liquidity

StrongQoQ +2
99
Sub-score

Liquidity is strong: brokered 0.2%, loans/deposits 71.4%, cash 15.4% of assets.

Cash / Assets
15.36%
Loans / Deposits
71.42%
Brokered %
0.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.85%, CET1 17.85%, leverage 14.34%.

Tier 1 RBC
17.85%
CET1
17.85%
Leverage
14.34%
No watch items at this period.

Asset Quality

StrongQoQ -14
83
Sub-score

Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 7.2%, NCO YTD 0.40%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.40%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -43
41
Sub-score

Reserves are deteriorating: ALLL 1.19% of loans, coverage 70.7%, true coverage 57.2%.

ALLL / Loans
1.19%
Coverage
70.7%
True Loss Coverage
57.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 02:24:06 UTC