Republic Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Republic Bank & Trust Company is an FDIC-insured commercial bank headquartered in Louisville, KY, established in 1982 (FDIC certificate 23627), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $7.05B, up 1.3% from Q2 2025, the 2nd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23627
- Headquarters
- Louisville, KY
- Established
- 1982
- Total assets, Q2 2026
- $7.05B
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 16.55%
- Domestic offices
- 48 FDIC institution directory, current count
- Routing number
- 083001314
- Latest call report
- Q2 2026, FFIEC 041 · Republic Bank & Trust Company call report
- Holding company
- REPUBLIC BANCORP, INC.
- Asset rank in state
- 2nd of 120 in Kentucky
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%. The figures come from its call report filed with the FFIEC.
Republic Bank & Trust Company ranks as the 2nd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.7% to $7.05B, loans rose 1.1% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.3% of total loans, followed by non-owner-occupied commercial real estate loans at 15.0%. The FDIC Summary of Deposits lists 47 offices for it, in 26 cities across 5 states; its Louisville 14 offices book 64% of its branch deposits. On its Q2 2026 call report, Republic Bank & Trust Company meets every capital ratio test for well capitalized.
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
- Domestic offices
- 48 FDIC institution directory, current count
- 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 |
| Brent J Shuman | PRES | Interim President RPG |
| 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Republic Bank & Trust Company's total assets ran between $6.38B (Q3 2023) and $7.25B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.05B total assets against $6.97B; $5.97B total liabilities against $5.96B.
$5.38B net loans and leases against $5.33B; $5.63B total deposits against $5.38B.
$887.4M securities against $707.8M; $354.1M cash and balances due against $484.3M.
$102.4M total interest income against $102.1M; $20.8M total interest expense against $26.0M.
$81.6M net interest income against $76.1M.
$19.7M total noninterest income against $17.7M; $53.2M total noninterest expense against $51.2M.
$5.2M provision for credit losses against $1.8M.
$33.0M net income against $31.8M.
1.85% return on assets against 1.80%; 4.86% net interest margin against 4.60%.
16.55% CET1 capital ratio against 15.70%; 14.82% tier 1 leverage ratio against 13.78%.
Inside the full Republic Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRepublic Bank & Trust Company rankings
Its closest position to the top of a national ranking is 213 of 4,196, for total assets; its furthest is 1,924 of 3,640, for Texas Ratio.
Metric pages for Republic Bank & Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q4 2024) to 2.58% (Q1 2025) and its net interest margin ran from 4.52% (Q3 2024) to 6.20% (Q1 2025).
| 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
View all 47 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC (former OTS)); 8 against individuals associated with it
- December 29, 1993, OCC (former OTS): Civil Money Penalty: Republic Savings Bank
- June 7, 1993, OCC (former OTS): Supervisory Agreement: Republic Savings Bank, F.S.B.
- April 8, 1993, OCC (former OTS): Civil Money Penalty: Republic Savings Bank
- March 19, 1992, OCC (former OTS): Supervisory Agreement: Republic Savings Bank, F.S.B.
- Period: Most recent institution action December 29, 1993. 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Republic Bank & Trust Company headquartered?
It is headquartered in Louisville, KY, United States.
When was Republic Bank & Trust Company founded?
It was established in 1982, per the FDIC institution directory.
Is Republic Bank & Trust Company FDIC-insured?
Yes. It 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.
What is Republic Bank & Trust Company's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.79% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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