Republic Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Republic Bank & Trust Company earns an unusually wide margin on its lending. Based in Louisville, Kentucky, it had $7.1 billion in assets at June 30, 2026, up 1.3% from a year earlier. It keeps 4.86 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 14.82% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Deposits are coming in faster than loans: over the year loans rose 1.1% and deposits rose 4.6%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.40% a year earlier. Funding is the softer spot: it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Republic Bank & Trust Company reported a CET1 capital ratio of 16.55%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 2.79%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 601 W Market St, Louisville, KY 40202
- County
- Jefferson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 11, 1982
- Offices
- 48 domestic
- Employees (FTE)
- 958
- Domestic deposits
- $5.63B
- Allowance for credit losses
- $87.8M
- Net charge-offs (YTD)
- $12.5M
- Average total assets
- $7.15B
- Average total loans
- $5.53B
- Average interest-bearing deposits
- $3.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 11, 1982
- FDIC Cert
- 23627
- Fed RSSD
- 316840
- SEC CIK
- 921557 → filed by REPUBLIC BANCORP, INC.
- Website
- www.republicbank.com →
- Parent Holding Company
- REPUBLIC BANCORP, INC. (RSSD 1097025) · RBCAA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Logan Pichel | CEO | PRESIDENT & CEO, REPUBLIC BANK |
| Kevin D Sipes | CFO | EVP & CHIEF FINANCIAL OFFICER |
| Jeff Starke | CIO | EVP, CHIEF INFORMATION OFFICER |
| Christy Ames | GC | EVP, GENERAL COUNSEL |
| John T Rippy | CRO | EVP, CHIEF RISK OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Republic Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Republic Bank & Trust Company, freeRepublic Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Republic Bank & Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.55% | 1.85% | 0.56% | 2.79% | 4.86% |
| Q1 2026 | 16.42% | 2.33% | 0.59% | 2.94% | 5.45% |
| Q4 2025 | 15.55% | 1.29% | 0.51% | 2.75% | 4.71% |
| Q3 2025 | 15.99% | 1.71% | 0.41% | 2.17% | 4.68% |
| Q2 2025 | 15.70% | 1.80% | 0.40% | 2.18% | 4.60% |
| Q1 2025 | 15.68% | 2.58% | 0.43% | 2.31% | 6.20% |
| Q4 2024 | 14.89% | 1.10% | 0.42% | 2.42% | 4.65% |
| Q3 2024 | 14.96% | 1.58% | 0.37% | 2.14% | 4.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 47 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Republic Bank & Trust Company (main office) | Louisville , KY | 40202 | $1.35B |
| Hurstbourne Branch | Louisville , KY | 40222 | $1.29B |
| Tates Creek Branch | Lexington , KY | 40517 | $187.3M |
| Springhurst Branch | Louisville , KY | 40241 | $181.0M |
| Westshore | Tampa , FL | 33607 | $131.7M |
| Cornerstone Community Bank Main Office Branch | Saint Petersburg , FL | 33702 | $126.2M |
| Blankenbaker Parkway Branch | Middletown , KY | 40243 | $118.9M |
| Norwood Branch | Cincinnati , OH | 45209 | $112.2M |
| Bardstown Road Branch | Louisville , KY | 40205 | $103.4M |
| Harrodsburg Road Branch | Lexington , KY | 40504 | $98.2M |
| Shelbyville Branch | Shelbyville , KY | 40065 | $96.5M |
| Fern Creek Banking Branch | Louisville , KY | 40291 | $90.4M |
| St Matthews | Louisville , KY | 40207 | $89.6M |
| Prospect Banking Branch | Prospect , KY | 40059 | $86.7M |
| Jeffersontown Branch | Louisville , KY | 40299 | $80.4M |
| Old Brownsboro Road Branch | Louisville , KY | 40222 | $78.2M |
| Poplar Level Branch | Louisville , KY | 40217 | $75.7M |
| Outer Loop Branch | Louisville , KY | 40219 | $75.7M |
| Cool Springs Branch | Franklin , TN | 37067 | $68.1M |
| Trinity Branch | New Port Richey , FL | 34655 | $67.8M |
| Dixie Highway Branch | Louisville , KY | 40258 | $66.4M |
| Crestview Hills | Crestview Hills , KY | 41017 | $63.0M |
| Lexington - Andover | Lexington , KY | 40509 | $62.6M |
| Kenwood Branch | Cincinnati , OH | 45236 | $61.2M |
| Central Avenue Branch | Saint Petersburg , FL | 33707 | $59.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 16, 2023 | Structure Change | Acquired CBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2016 | Structure Change | Acquired Cornerstone Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2014 | Structure Change | Acquired Republic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2012 | Structure Change | Acquired First Commercial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 7, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 28, 2012 | Structure Change | Acquired Tennessee Commerce Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 27, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 1, 2006 | Structure Change | Acquired Republic Bank & Trust Company of Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 1994 | Structure Change | Acquired Republic Bank of Shelby County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Republic Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.7% of deposits in KY, rank 8 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,075 applications, 2,475 loans originated, $589.6M originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 42 loans, $16.3M approved, $388K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Republic Bank & Trust Company
What are Republic Bank & Trust Company's total assets?
As of the Q2 2026 filing, Republic Bank & Trust Company reported total assets of $7.05 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Republic Bank & Trust Company headquartered?
Republic Bank & Trust Company is headquartered in Louisville, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Republic Bank & Trust Company founded?
Republic Bank & Trust Company was established in 1982, per the FDIC institution directory.
Is Republic Bank & Trust Company FDIC-insured?
Yes. Republic Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #23627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Republic Bank & Trust Company?
Republic Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Republic Bank & Trust Company's CET1 capital ratio?
Republic Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 16.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Republic Bank & Trust Company operate?
Republic Bank & Trust Company operates 48 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Republic Bank & Trust Company's Texas Ratio?
Republic Bank & Trust Company's Texas Ratio is 2.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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