Republic Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin dropped 0.59 percentage points in Q2 2026, from 5.45% to 4.86%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Republic Bank & Trust Company is 12th of 119 on net interest margin, 4.86% as of Q2 2026, above the middle of the field. Republic Bank & Trust Company reported 4.86% on net interest margin for Q2 2026, 1.15 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.10% |
| Yield on loans | 6.54% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 2.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.86% |
| Yield to cost spread | 4.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $90.3M |
| Total interest expense | $20.8M |
| Interest expense on deposits | $19.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.76% | 1.21% | 4.35% | 6.25% | 2.54% |
| Q4 2023 | 5.96% | 1.77% | 4.39% | 6.43% | 2.69% |
| Q1 2024 | 7.88% | 2.30% | 5.84% | 8.73% | 2.53% |
| Q2 2024 | 6.20% | 2.21% | 4.35% | 6.68% | 2.77% |
| Q3 2024 | 6.43% | 2.28% | 4.52% | 6.89% | 2.89% |
| Q4 2024 | 6.35% | 2.05% | 4.65% | 6.89% | 2.90% |
| Q1 2025 | 7.84% | 1.91% | 6.20% | 8.65% | 3.08% |
| Q2 2025 | 6.16% | 1.86% | 4.60% | 6.69% | 3.45% |
| Q3 2025 | 6.28% | 1.90% | 4.68% | 6.79% | 3.91% |
| Q4 2025 | 6.17% | 1.75% | 4.71% | 6.70% | 4.01% |
| Q1 2026 | 6.84% | 1.65% | 5.45% | 7.49% | 4.06% |
| Q2 2026 | 6.10% | 1.53% | 4.86% | 6.54% | 4.07% |
Republic Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)