New Republic Bank is a state-chartered bank headquartered in Roanoke Rapids, North Carolina, in business for about 28 years. At the end of Q2 2026 it reported $176.3M in total assets and $138.0M in deposits, with 1 office.
New Republic Bank has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 2nd. Capital cushion contributes the most (100/100, 15.81%); funding & liquidity contributes the least (59/100, 86% loans-to-deposits, 28% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 44 points (48 → 92), mostly because the earnings component improved by 94 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 57 |
| Q4 2024 | 53 |
| Q1 2025 | 50 |
| Q2 2025 | 48 |
| Q3 2025 | 49 |
| Q4 2025 | 72 |
| Q1 2026 | 83 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.51% |
| Q3 2024 | 10.91% |
| Q4 2024 | 9.52% |
| Q1 2025 | 8.59% |
| Q2 2025 | 8.08% |
| Q3 2025 | 8.40% |
| Q4 2025 | 15.69% |
| Q1 2026 | 13.95% |
| Q2 2026 | 15.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.04% |
| Q3 2024 | -1.06% |
| Q4 2024 | -1.61% |
| Q1 2025 | -0.47% |
| Q2 2025 | -0.46% |
| Q3 2025 | -0.62% |
| Q4 2025 | -0.13% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $176.3M | 15.81% | 0.15% | 1.88% | 86.3% |
| Q1 2026 | 83 | $238.9M | 13.95% | 0.10% | 1.64% | 93.3% |
| Q4 2025 | 72 | $235.4M | 15.69% | 0.05% | -0.13% | 95.5% |
| Q3 2025 | 49 | $180.0M | 8.40% | 0.08% | -0.62% | 87.6% |
| Q2 2025 | 48 | $187.1M | 8.08% | 0.08% | -0.46% | 83.8% |
| Q1 2025 | 50 | $196.7M | 8.59% | 0.08% | -0.47% | 79.8% |
| Q4 2024 | 53 | $179.2M | 9.52% | 0.11% | -1.61% | 93.9% |
| Q3 2024 | 57 | $154.6M | 10.91% | 0.12% | -1.06% | 96.1% |
| Q2 2024 | 59 | $147.7M | 11.51% | 0.12% | -1.04% | 99.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Belmont Savings Bank, SSBBank Belmont, NC | 69 out of 100, Moderate | $161.0M | 12.9% | 0.37% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |
| Taylorsville Savings Bank, SSBBank Taylorsville, NC | 63 out of 100, Moderate | $232.4M | 8.1% | 0.40% | vs |
| Morganton Savings Bank, S.S.B.Bank Morganton, NC | 81 out of 100, Strong | $114.5M | 25.5% | 0.21% | vs |
| First Federal BankBank Dunn, NC | 59 out of 100, Moderate | $275.6M | 9.2% | 0.47% | vs |
| Nantahala Bank & Trust CompanyBank Franklin, NC | 73 out of 100, Strong | $288.8M | 9.4% | 0.32% | vs |
Deposit insurance
Is my money safe at New Republic Bank?
Yes. New Republic Bank is an FDIC-insured institution (FDIC certificate #34860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.3% of deposits ($39.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.20% (benchmark: 10%).
1 location
Branches
New Republic Bank lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- New Republic Bank
- Former names
- New Republic Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34860
- RSSD ID
- 2754222
- Primary regulator
- FDIC
- Holding company
- American Bcorp Inc
- Established
- December 15, 1998
- Headquarters
- 420 Becker Dr, Roanoke Rapids, NC 27870
- Website
- newrepublicbank.com
- Employees
- 21
Quick answers
New Republic Bank: common questions
Is New Republic Bank FDIC insured?
Yes. New Republic Bank is an FDIC-insured institution (FDIC certificate #34860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is New Republic Bank's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has New Republic Bank ever failed?
There is no failure record for FDIC certificate #34860 in the FDIC failed bank list.
How many branches does New Republic Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roanoke Rapids
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| Riverside Savings Bank, SSBBank Roanoke Rapids, NC | 84 out of 100, Strong | $94.5M | 18.8% | 0.00% | vs |
| Benchmark Community BankBank Kenbridge, VA | 75 out of 100, Strong | $1.4B | 9.8% | 0.17% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |
| Southern Bank and Trust CompanyBank Mount Olive, NC | 70 out of 100, Strong | $5.3B | 9.6% | 0.12% | vs |
| Brunswick County Teachers Federal Credit UnionCredit union Lawrenceville, VA | 69 out of 100, Moderate | $462K | 41.6% | 0.70% | vs |