United Republic Bank is a state-chartered bank headquartered in Elkhorn, Nebraska, in business for about 20 years. At the end of Q2 2026 it reported $185.8M in total assets and $147.4M in deposits, with 3 offices.
Based on its Q2 2026 filing, United Republic Bank scores 36/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 139th. Its strongest component is funding & liquidity (69/100; 91% loans-to-deposits, 8% uninsured), and its lowest is loan quality (0/100; 4.89%).
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 7 points (29 → 36), mostly because the earnings component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 54 |
| Q4 2024 | 41 |
| Q1 2025 | 49 |
| Q2 2025 | 29 |
| Q3 2025 | 29 |
| Q4 2025 | 34 |
| Q1 2026 | 39 |
| Q2 2026 | 36 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.68% |
| Q3 2024 | 11.45% |
| Q4 2024 | 11.83% |
| Q1 2025 | 11.11% |
| Q2 2025 | 10.80% |
| Q3 2025 | 11.10% |
| Q4 2025 | 10.81% |
| Q1 2026 | 11.17% |
| Q2 2026 | 11.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.86% |
| Q3 2024 | 1.60% |
| Q4 2024 | 4.34% |
| Q1 2025 | 0.96% |
| Q2 2025 | 3.24% |
| Q3 2025 | 5.43% |
| Q4 2025 | 2.48% |
| Q1 2026 | 2.58% |
| Q2 2026 | 4.89% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.49% |
| Q1 2025 | -1.31% |
| Q2 2025 | -1.40% |
| Q3 2025 | -1.06% |
| Q4 2025 | -1.38% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 36 | $185.8M | 11.57% | 4.89% | 0.15% | 91.1% |
| Q1 2026 | 39 | $192.0M | 11.17% | 2.58% | 0.05% | 90.6% |
| Q4 2025 | 34 | $197.2M | 10.81% | 2.48% | -1.38% | 93.6% |
| Q3 2025 | 29 | $201.3M | 11.10% | 5.43% | -1.06% | 91.9% |
| Q2 2025 | 29 | $207.8M | 10.80% | 3.24% | -1.40% | 90.2% |
| Q1 2025 | 49 | $214.8M | 11.11% | 0.96% | -1.31% | 90.5% |
| Q4 2024 | 41 | $209.4M | 11.83% | 4.34% | 0.49% | 94.8% |
| Q3 2024 | 54 | $210.3M | 11.45% | 1.60% | 0.37% | 95.0% |
| Q2 2024 | 42 | $209.9M | 11.68% | 3.86% | 0.39% | 97.7% |
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Foundation One BankBank Waterloo, NE | 65 out of 100, Moderate | $182.2M | 9.8% | 0.41% | vs |
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| Brunswick State BankBank Brunswick, NE | 59 out of 100, Moderate | $175.6M | 9.4% | 1.30% | vs |
| Cedar Rapids State BankBank Cedar Rapids, NE | 55 out of 100, Moderate | $174.9M | 9.6% | 1.73% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
Deposit insurance
Is my money safe at United Republic Bank?
Yes. United Republic Bank is an FDIC-insured institution (FDIC certificate #58359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.1% of deposits ($12.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
United Republic Bank lists 2 offices in 2 cities. Most locations:
- Elkhorn, NE (1)
- Gretna, NE (1)
Identity & history
Profile
- Legal name
- United Republic Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58359
- RSSD ID
- 3387140
- Primary regulator
- FDIC
- Holding company
- Central Bancshares Inc
- Established
- December 11, 2006
- Headquarters
- 111 N 181st St, Elkhorn, NE 68022
- Website
- www.unitedrepublic.bank
- Employees
- 21
Quick answers
United Republic Bank: common questions
Is United Republic Bank FDIC insured?
Yes. United Republic Bank is an FDIC-insured institution (FDIC certificate #58359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Republic Bank's TellerScore?
36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Republic Bank ever failed?
There is no failure record for FDIC certificate #58359 in the FDIC failed bank list.
How many branches does United Republic Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elkhorn
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| North Western Employees Credit UnionCredit union Council Bluffs, IA | 94 out of 100, Very strong | $10.4M | 21.4% | 0.00% | vs |
| American Interstate BankBank Elkhorn, NE | 93 out of 100, Very strong | $132.0M | 20.1% | 0.00% | vs |
| Omaha Firefighters Credit UnionCredit union Omaha, NE | 92 out of 100, Very strong | $76.0M | 17.5% | 0.04% | vs |
| Neighborhood Community Federal Credit UnionCredit union Omaha, NE | 92 out of 100, Very strong | $31.0M | 14.2% | 0.17% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |