Republic Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 42.66 percentage points higher than in Q1 2026, at 265.01%. Within Kentucky, Republic Bank & Trust Company is 23rd of 119 on return on assets, 1.85% as of Q2 2026, above the middle of the field. Republic Bank & Trust Company reported 1.85% on return on assets for Q2 2026, 0.57 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.55% |
| Tier 1 risk-based capital ratio | 16.55% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 14.82% |
| Equity capital to assets | 15.41% |
| Tangible equity to tangible assets | 14.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.67% |
| Texas ratio | 3.00% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 265.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 12.28% |
| Net interest margin | 4.86% |
| Efficiency ratio | 52.39% |
| Yield on earning assets | 6.10% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.21% |
| Core deposits to total deposits | 94.96% |
| Brokered deposits to total deposits | 1.81% |
| Deposits to assets | 79.74% |
| Securities to assets | 12.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.47% | 14.47% | 15.68% | 13.42% | 1.39% |
| Q4 2023 | 14.24% | 14.24% | 15.49% | 13.25% | 1.19% |
| Q1 2024 | 14.62% | 14.62% | 15.88% | 12.15% | 1.69% |
| Q2 2024 | 14.76% | 14.76% | 16.01% | 13.30% | 1.51% |
| Q3 2024 | 14.96% | 14.96% | 16.21% | 13.54% | 1.58% |
| Q4 2024 | 14.89% | 14.89% | 16.14% | 13.29% | 1.10% |
| Q1 2025 | 15.68% | 15.68% | 16.94% | 12.97% | 2.58% |
| Q2 2025 | 15.70% | 15.70% | 16.95% | 13.78% | 1.80% |
| Q3 2025 | 15.99% | 15.99% | 17.25% | 14.20% | 1.71% |
| Q4 2025 | 15.55% | 15.55% | 16.80% | 14.17% | 1.29% |
| Q1 2026 | 16.42% | 16.42% | 17.68% | 14.13% | 2.33% |
| Q2 2026 | 16.55% | 16.55% | 17.80% | 14.82% | 1.85% |
Republic Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)