Republic Bancorp Q4 net income $22.8M (+20% YoY); record full-year net income $131.3M

REPUBLIC BANCORP INC /KY/

Diluted EPS $1.17 in Q4 vs $0.98 YoY; full-year EPS $6.72 vs $5.21 (+29%).
Core Bank NIM expanded to 3.87% from 3.64%; net interest income rose 11% to $63.7M.
Provision for credit losses jumped to $6.4M from $0.4M, driven by $4.8M specific reserve on a $16M C&I participation.
Agreed to sell St. Louis RBF operations; expects Q1 2026 close and ~$6M net gain.
Core Bank credit quality strong: NPLs 0.45%, net charge-offs 0.03% annualized; equity surpassed $1B.

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