---
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"
generated_at: "2026-05-16T06:13:20.765482+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/921557/000110465926008308/0001104659-26-008308-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000110465926008308/rbcaa-20260130x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-008308
- JSON: https://secwatch.observer/filing/0001104659-26-008308.json
- Plain text: https://secwatch.observer/filing/0001104659-26-008308.txt

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