Republic Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 38.8% in Q2 2026, from $41.8M to $58.0M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Republic Bank & Trust Company is 18th of 120 on loan-to-deposit ratio, 97.21% as of Q2 2026, above the middle of the field. Republic Bank & Trust Company reported 97.21% on loan-to-deposit ratio for Q2 2026, 9.01 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.47B |
| Net loans and leases | $5.38B |
| Loans held for sale | $58.0M |
| Loans to total assets | 77.51% |
| Loan-to-deposit ratio | 97.21% |
| Net loans to equity capital | 4.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.70% |
| Multifamily (5+ residential) | 6.90% |
| Commercial and industrial | 10.89% |
| Consumer | 5.24% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.80% |
| Construction concentration (Tier 1 capital + allowance) | 18.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.54% |
| Interest income on loans | $90.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.11B | $4.83B | 28.04% | 9.40% | 6.46% |
| Q4 2023 | $5.27B | $5.09B | 27.91% | 10.07% | 8.47% |
| Q1 2024 | $5.32B | $5.46B | 27.85% | 9.16% | 7.19% |
| Q2 2024 | $5.31B | $5.11B | 28.26% | 8.99% | 6.35% |
| Q3 2024 | $5.33B | $5.15B | 28.17% | 8.59% | 6.27% |
| Q4 2024 | $5.47B | $5.26B | 27.15% | 9.65% | 8.39% |
| Q1 2025 | $5.33B | $5.46B | 27.61% | 9.44% | 6.35% |
| Q2 2025 | $5.41B | $5.38B | 26.93% | 9.24% | 5.42% |
| Q3 2025 | $5.32B | $5.40B | 26.93% | 9.37% | 5.20% |
| Q4 2025 | $5.56B | $5.27B | 26.15% | 10.56% | 4.91% |
| Q1 2026 | $5.41B | $5.58B | 27.56% | 10.76% | 5.22% |
| Q2 2026 | $5.47B | $5.63B | 27.70% | 10.89% | 5.24% |
Republic Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank & Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Republic Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23627) · FFIEC NIC profile (RSSD 316840)