🏦Bank Scorer

This institution is no longer active

Operations ceased on June 30, 2017. CRA examination history below reflects the period it was active.

REPUBLIC BANK

BOUNTIFUL, UT · Supervised by FDIC

Est. 1999FDIC #35,260RSSD: FDIC-35260
Satisfactory Same

Current rating · Exam: March 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.17%

Institution Profile

FDIC BankFind

Address

1560 Renaissance Towne Drive, Suite 260, BOUNTIFUL, UT

County

Davis County

Established

November 12, 1999

Total Assets

$31M(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

March 1, 2014

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 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 Q1 2017Call Report / FDIC

Total Assets

$31M

Total Deposits

—

Net Loans

$10M

Net Income

$-436K

ROA

-5.17%

ROE

-7.69%

Risk-Based Capital

75.82%

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 Rate13.24%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,82257.35%13.24%
20235,39157.34%10.85%
20227,72061.36%10.70%
202110,67164.4%8.46%
202012,65065.78%8.85%
20199,31266.23%10.62%
20187,84570.33%10.25%

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

3 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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