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This institution is no longer active

Operations ceased on March 21, 2020. CRA examination history below reflects the period it was active.

REPUBLIC BANK & TRUST

NORMAN, OK · Supervised by FDIC

Est. 1988FDIC #27,286RSSD: FDIC-27286
Part ofIRONHORSE FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.25%

Institution Profile

FDIC BankFind

Address

3510 West Robinson, NORMAN, OK

County

Cleveland County

Established

June 30, 1988

Total Assets

$697M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$697M

Total Deposits

$618M

Net Loans

$366M

Net Income

$7M

ROA

1.25%

ROE

11.51%

Risk-Based Capital

16.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.25%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20209671.88%6.25%
201949976.35%9.02%
201856176.11%9.45%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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