{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-086487","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2026-07-24T12:00:11+00:00","discovered_at":"2026-07-24T12:05:00.270378+00:00","generated_at":"2026-07-24T12:05:39.038087+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Republic Bancorp Q2 net income $32.9M ($1.68 EPS), up 4% YoY; Core Bank NIM expands to 4.02%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-086487","json":"https://secwatch.observer/filing/0001104659-26-086487.json","markdown":"https://secwatch.observer/filing/0001104659-26-086487.md","text":"https://secwatch.observer/filing/0001104659-26-086487.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000110465926086487/0001104659-26-086487-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000110465926086487/rbcaa-20260724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-24T12:05:39.038087+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"}