First Republic Bank

Headquarters

111 Pine Street
San Francisco, CA 94111
See all branch locations →

ACH 321081669

Phone 888 408 0288

Notable Rates APY Vs.Others
Savings N.A. 3.05% →
1-Year CD N.A. 3.30% →
2-Year CD N.A. 3.56% →
5-Year CD N.A. 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

First Republic Bank is an FDIC insured institution located in San Francisco, CA. It was founded in 2010 and has approximately $187.12 billion in assets. Customers can open an account at one of its 74 branches.

FDIC Insured Yes
FDIC Certificate # 59017
Date Established 2010
Assets $ 187.12 billion
Loans $ 140.61 billion
Deposits $ 162.06 billion
Capital $ 16.15 billion
 

For a more detailed analysis of First Republic Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 24, 2022

Your Current Location: Virginia, VA 20146

 

Loan Rates - September 24, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Republic Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
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AimLoan.com
NMLS ID: 2890
License#: MC-3098
6.254% 6.125%
1.00 points
$3,452 fees
$1,520 Learn More
PADDIO
NMLS ID: 1907
6.541% 6.375%
0.75 points
$4,375 fees
$1,560 Learn More
Northpointe Bank
NMLS ID: 447490
6.466% 6.375%
1.00 points
$2,395 fees
$1,560 Learn More
Morty, Inc.
NMLS ID: 1429243
6.074% 5.990%
0.88 points
$2,258 fees
$1,498 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 5.740 %
After Intro: 6.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to First Republic Bank
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Branches

First Republic Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First Republic Bank Locations



Climate Initiatives

First Republic Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

First Republic Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Republic Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Republic Bank U.S. Bank Average
0.83% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, First Republic Bank had $140,470,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,154,424,000 in equity and $700,668,000 in loans loss reserves. That gives it a Texas Ratio of 0.83%.

Return on Equity
First Republic Bank U.S. Bank Average
10.02% 9.01%

First Republic Bank has a Return on Equity of 10.02% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Republic Bank U.S. Bank Average
8.63% 10.66%

First Republic Bank has a Capitalization of 8.63% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Republic Bank Balance Sheet Analysis

As of March 31, 2022, First Republic Bank had assets of $187,120,925,000, loans of $140,612,236,000, and deposits of $162,059,675,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
ASSETS
Cash & Balances due from depository institutions $ 7.76 billion
Interest-bearing balances $ 7.34 billion
Total securities $ 30.30 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 140.61 billion
Loan loss allowance $ 700.67 million
Trading account assets $ 61.96 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 235.57 million
All other assets $ 6.46 billion
     Total Assets $ 170.97 billion
LIABILITIES
Total deposits $ 162.06 billion
      Interest-bearing deposits $ 89.64 billion
      Deposits held in domestic offices $ 162.06 billion
      % insured (estimated) 26.76%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 56.84 million
Other borrowed funds $ 4.70 billion
Subordinated debt $ 778.88 million
All other liabilities $ 3.37 billion
      Total Liabilities $ 170.97 billion
      Shareholders’ Equity $ 16.15 billion

Summary Income Statement

March 31, 2022
INCOME AND EXPENSES
Total Interest Income $ 1,196.19 million
Total Interest Expense $ 43.66 million
Net interest income $ 1,152.53 million
Provision for loan and lease losses $ 9.61 million
Total non interest income $ 237.76 million
Total non interest expense $ 857.70 million
Pre-tax Net Operating Income $ 522.98 million

Bank Loan Profile?

The top three loan types in First Republic Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in California, First Republic Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 59.90
Multifamily
Mortgages
12.06
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.34
Construction and Development Loans 2.27
Commercial Real Estate 6.78
Commercial and Industrial Loans 10.37
Farm Loans 0.00

Customer Reviews for First Republic Bank


  • December 3, 2019 |

    CDs 10 Month Rates

    I've been using the Escondido branch for a couple years. Often, I call ahead to open another account. They have everything all set-up when I walk in the door. This is a great help as sometimes, I am short on time. Anyway, I see they advertise in the San Diego Union paper, that's how I "discovered" them! I take advantage of their promotions. Sure wish they had a branch closer to Carlsbad as Hwy 78 traffic is very bad.

  • January 17, 2019 |

    I like them. Great interest rate on my home loan. Personal banker is really nice touch! I wish though that they had CC & auto loans. To get low mortgage, you must have direct deposit. Well that’s a requirement of most auto lenders too to get lowest rate. Kinda hard to have DD at 2 diff establishments.

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