Republic Bancorp Q1 earnings: net income $42.6M, adjusted EPS $2.04 up 3%; Core Bank margin expands

REPUBLIC BANCORP INC /KY/

Net income $42.6M (diluted EPS $2.18), down 10% YoY; adjusted net income $39.9M (adj. EPS $2.04) up 3%.
Core Bank net interest income $63.2M (+12%), net interest margin 3.96% (+26 bps); Traditional Banking and Warehouse Lending led growth.
RPG net income $18.8M (-37%) due to nonrenewal of large TRS Tax Provider contract (-$8.4M after-tax impact).
Notable items: $4.4M after-tax gain on sale of Republic Bank Finance, $1.8M penalty for early FHLB advance payoff.
Core Bank credit quality stable: NPL ratio 0.61%, net charge-offs annualized 0.03%.

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

REPUBLIC BANCORP INC /KY/ reported the quarter ended March 31, 2026 results: net income $42.6 million, EPS $2.18 per share.

Period: the quarter ended March 31, 2026
Net income: $42.6 million
EPS: $2.18 per share
Result: reported results

Exact text from the filing

Republic Bancorp, Inc. (“Republic” or the “Company”) reported first quarter 2026 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $42.6 million and $2.18 per share.

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Source: SEC EDGAR

accession 0001104659-26-047276

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