---
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"
generated_at: "2026-07-24T12:05:39.038087+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/921557/000110465926086487/0001104659-26-086487-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000110465926086487/rbcaa-20260724x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086487
- JSON: https://secwatch.observer/filing/0001104659-26-086487.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086487.txt

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