{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-008308","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.036946+00:00","generated_at":"2026-05-16T06:13:20.765482+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Republic Bancorp Q4 net income $22.8M (+20% YoY); record full-year net income $131.3M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-008308","json":"https://secwatch.observer/filing/0001104659-26-008308.json","markdown":"https://secwatch.observer/filing/0001104659-26-008308.md","text":"https://secwatch.observer/filing/0001104659-26-008308.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000110465926008308/0001104659-26-008308-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000110465926008308/rbcaa-20260130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:13:20.765482+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}