Republic Bancorp Q2 net income $32.9M ($1.68 EPS), up 4% YoY; Core Bank NIM expands to 4.02%

REPUBLIC BANCORP INC /KY/

Net income $32.9M, diluted EPS $1.68 vs $31.5M, $1.61 in Q2 2025; ROA 1.88%, ROE 11.42%.
Core Bank net interest income +$4.2M (7%) to $64.1M; net interest margin +30 bps to 4.02%.
Traditional Banking loans grew $59M in Q2, strongest quarterly loan growth in nearly three years.
Launched Republic Payment Solutions program; expects >$150M lower-cost avg deposits in H2 2026.
Core Bank nonperforming loans to total loans rose to 0.58% from 0.41% a year ago.

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