---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-100262"
form_type: "8-K"
ticker: "RBCAA"
cik: "0000921557"
company_name: "REPUBLIC BANCORP INC /KY/"
filed_at: "2025-10-17T23:59:59+00:00"
generated_at: "2026-05-17T03:29:28.961394+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Republic Bancorp Q3 net income up 12% to $29.7M, EPS $1.52

## Summary
- Net income $29.7M, diluted EPS $1.52, increases of 12% and 11% YoY.
- Core Bank net income rose 15% to $19.8M; net interest margin expanded 25bps to 3.78%.
- Total Company NIM expanded 16bps to 4.65% as interest-earning assets reached $6.26B.
- Core Bank net charge-offs only 0.02% of avg loans; nonperforming loans 0.42%.
- Total assets $7.01B; deposits grew $21M QoQ; loans declined $92M QoQ.

## SEC filing metadata
- accession: 0001104659-25-100262
- form_type: 8-K
- ticker: RBCAA
- cik: 0000921557
- company_name: REPUBLIC BANCORP INC /KY/
- filed_at: 2025-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/921557/000110465925100262/0001104659-25-100262-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000110465925100262/rbcaa-20251017x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-100262
- JSON: https://secwatch.observer/filing/0001104659-25-100262.json
- Plain text: https://secwatch.observer/filing/0001104659-25-100262.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.