---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-047276"
form_type: "8-K"
ticker: "RBCAA"
cik: "0000921557"
company_name: "REPUBLIC BANCORP INC /KY/"
filed_at: "2026-04-23T23:59:59+00:00"
generated_at: "2026-05-15T04:46:39.798855+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- accession: 0001104659-26-047276
- form_type: 8-K
- ticker: RBCAA
- cik: 0000921557
- company_name: REPUBLIC BANCORP INC /KY/
- filed_at: 2026-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/0001104659-26-047276-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/rbcaa-20260423x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-047276
- JSON: https://secwatch.observer/filing/0001104659-26-047276.json
- Plain text: https://secwatch.observer/filing/0001104659-26-047276.txt

## Key facts
- Earnings Releases
  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
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/921557/000110465926047276/0001104659-26-047276-index.htm

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