{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-23-000584","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.822528+00:00","generated_at":"2026-06-16T23:12:39.189936+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Republic Bancorp Q1 2023 operating net income rises 29% to $31.8M; Core Bank NIM 3.98%","bullets":["Q1 2023 net income $28.1M ($1.42 diluted EPS flat YoY); operating net income (non-GAAP) $31.8M ($1.61 EPS) up 29%.","Core Bank net income $10.3M, up 35% YoY; operating net income $14.0M, up 84% YoY. NIM expanded to 3.98% from 2.92%.","Traditional Bank loan growth $92M (ex-CBank) in Q1; CBank acquisition added $218M in loans, closed March 15, 2023.","TRS segment net income $12.4M, down from $15.4M due to prior year termination fee and higher RA provision of $21.7M on $737M originations.","Credit quality stable: Core Bank nonperforming loans/total loans 0.34% (vs 0.40% prior year); allowance to loans 1.22%."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-23-000584","json":"https://secwatch.observer/filing/0001157523-23-000584.json","markdown":"https://secwatch.observer/filing/0001157523-23-000584.md","text":"https://secwatch.observer/filing/0001157523-23-000584.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000115752323000584/0001157523-23-000584-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000115752323000584/a53384187.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:12:39.189936+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"}