Republic Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Republic Bank & Trust Company of Louisville, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.85% | 1.46% | +0.39% | 83rd top |
| ROAE | 12.28% | 12.72% | -0.44% | 49th below |
| Net Interest Margin | 4.86% | 3.85% | +1.01% | 94th top |
| Efficiency Ratio | 52.39% | 57.42% | -5.03% | 68th above |
| PPNR / Avg Assets | 2.69% | 1.87% | +0.82% | 90th top |
| Yield on Earning Assets | 6.10% | 5.72% | +0.38% | 80th top |
| Cost of Funds | 1.53% | 2.02% | -0.49% | 79th top |
| Net Interest Spread | 4.29% | 3.18% | +1.11% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.61% | 1.00% | -0.39% | 50th above |
| NPA / Total Assets | 0.48% | 0.76% | -0.28% | 51st above |
| NCO / Avg Loans | 0.67% | 0.43% | +0.24% | 6th bottom |
| ACL / Total Loans | 1.60% | 1.31% | +0.29% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 265.01% | 544.13% | -279.12% | 66th above |
| Texas Ratio | 3.00% | 7.40% | -4.40% | 65th above |
| Provision / NCO | 119.29% | 620.22% | -500.93% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.55% | 17.34% | -0.79% | 81st top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.55% | 17.37% | -0.82% | 81st top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.80% | 18.42% | -0.62% | 81st top |
| Leverage Ratio | 14.82% | 11.43% | +3.39% | 93rd top |
| Equity / Assets | 15.41% | 11.32% | +4.09% | 94th top |
| TCE / Tangible Assets | 14.90% | 10.49% | +4.41% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.21% | 86.93% | +10.28% | 23rd bottom |
| Core Deposit Ratio | 94.96% | 85.53% | +9.43% | 85th top |
| Uninsured Deposit Ratio | 45.58% | 33.09% | +12.49% | 15th bottom |
| Wholesale Funding Ratio | 3.20% | 5.71% | -2.51% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.29% | 9.70% | -8.41% | 24th bottom |
| Loan Growth (Y/Y) | 1.08% | 8.07% | -6.99% | 23rd bottom |
| Deposit Growth (Y/Y) | 4.58% | 7.88% | -3.30% | 48th below |
See Republic Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Republic Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Republic Bank & Trust Company profile, how to read a UBPR, or how this data updates.