Republic Bank, Inc. is an FDIC insured institution headquartered at
4929 Decker Road, Duluth, MN 55811.
It was founded in
1978 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 22618
Date Established
1978
Assets
$ 421.72 million
Loans
$ 370.71 million
Deposits
$ 332.11 million
Capital
$ 48.18 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 35.86 million
Interest-bearing balances
$ 24.90 million
Total securities
$ 3.75 million
Federal funds sold and reverse repurchase
$ 6.28 million
Net loans and leases
$ 370.71 million
Loan loss allowance
$ 3.44 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.90 million
Goodwill and other intangibles
N.A.
All other assets
$ 4.86 million
Total Assets
$ 375.79 million
LIABILITIES
Total deposits
$ 332.11 million
Interest-bearing deposits
$ 255.42 million
Deposits held in domestic offices
$ 332.11 million
% insured (estimated)"
83.07%
Federal funds purchased and repurchase agreements
$ 5.15 million
Trading liabilities
N.A.
Other borrowed funds
$ 37.13 million
Subordinated debt
N.A.
All other liabilities
$ 1.41 millionn
Total Liabilities
$ 375.79 million
Shareholders’ Equity
$ 45.93 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 15.42 million
Total Interest Expense
$ 3.26 million
Net interest income
$ 12.15 million
Provision for loan and lease losses
$ 0.23 million
Total non interest income
$ 0.93 million
Total non interest expense
$ 8.27 million
Pre-tax Net Operating Income
$ 4.59 million
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