---
schema_version: "secwatch.filing_event.v1"
accession: "0001157523-23-000107"
form_type: "8-K"
ticker: "RBCAA"
cik: "0000921557"
company_name: "REPUBLIC BANCORP INC /KY/"
filed_at: "2023-01-27T23:59:59+00:00"
generated_at: "2026-06-20T07:38:30.983646+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Republic Bancorp Q4 2022 net income $18.5M (+8% YoY); diluted EPS $0.94 (+9%)

## Summary
- Net income $18.5M (+8% YoY); diluted EPS $0.94 (+9% YoY).
- Core Bank net interest margin of 3.82%, up 74 bps from Q4 2021.
- Traditional Banking loan growth of $404M for 2022, an all-time high.
- Core Bank non-interest expense down 2% YoY; salaries and benefits down $923K.
- TRS segment launched early ERA product; $3.8M provision on $98M originations in Q4.

## SEC filing metadata
- accession: 0001157523-23-000107
- form_type: 8-K
- ticker: RBCAA
- cik: 0000921557
- company_name: REPUBLIC BANCORP INC /KY/
- filed_at: 2023-01-27T23:59:59+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/921557/000115752323000107/0001157523-23-000107-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000115752323000107/a53291310.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001157523-23-000107
- JSON: https://secwatch.observer/filing/0001157523-23-000107.json
- Plain text: https://secwatch.observer/filing/0001157523-23-000107.txt

## Key facts
- Earnings Releases
  REPUBLIC BANCORP INC /KY/ reported fourth quarter 2022 results: net income $18.5 million, EPS $0.94 per share.
  - Period: fourth quarter 2022
  - Net income: $18.5 million
  - EPS: $0.94 per share
  - Result: reported results
  source text: Republic Bancorp, Inc. (“Republic” or the “Company”) reported fourth quarter 2022 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $18.5 million and $0.94 per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/921557/000115752323000107/0001157523-23-000107-index.htm

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