Republic Bank & Trust Company
Total assets
$7.05B
▲ +1.3% YoY
Deposits
$5.63B
▲ +4.6% YoY
Loans
$5.38B
▲ +1.0% YoY
Offices
48
REPUBLIC BCORP INC
ROA (annualized)
2.13%
peers 1.26%
ROE (annualized)
14.26%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | +4.6% | +5.1% | -0.5 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -4.9 pts |
| ROA | 2.13% | 1.26% | +0.9 pts |
| ROE | 14.3% | 12.2% | +2.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
Profile
- Established
- 1982
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- REPUBLIC BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 601 W Market St, Louisville, KY, 40202
- County
- Jefferson
- Metro area
- Louisville-Jefferson County, KY-IN
- Offices
- 48
- FDIC cert #
- 23627
- RSSD ID
- 316840
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.05B | $5.63B | $5.38B | $1.09B | $75.8M | 2.13% | 5.24% | 0.45% |
| Q1 2026 | $7.25B | $5.58B | $5.32B | $1.07B | $42.8M | 2.40% | 5.48% | 0.45% |
| Q4 2025 | $7.04B | $5.27B | $5.48B | $1.04B | $131.8M | 1.89% | 5.22% | 0.42% |
| Q3 2025 | $7.01B | $5.40B | $5.24B | $1.02B | $109.0M | 2.08% | 5.34% | 0.33% |
| Q2 2025 | $6.97B | $5.38B | $5.33B | $1.00B | $79.2M | 2.28% | 5.63% | 0.33% |
| Q1 2025 | $7.07B | $5.46B | $5.22B | $978.5M | $47.4M | 2.73% | 6.49% | 0.34% |
| Q4 2024 | $6.84B | $5.26B | $5.38B | $939.5M | $101.7M | 1.51% | 5.05% | 0.35% |
| Q3 2024 | $6.69B | $5.15B | $5.25B | $931.3M | $82.6M | 1.65% | 5.13% | 0.31% |
Loan mix (Q2 2026): real estate $3.88B · commercial $595.5M · consumer $286.4M · securities $887.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.70% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 59.0% | 20th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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