{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-23-001122","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2023-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.037650+00:00","generated_at":"2026-06-13T05:18:05.756200+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Republic Bancorp Q2 2023 op net income up 34% to $19.8M; GAAP net income $21.1M ($1.07 EPS)","bullets":["GAAP net income $21.1M ($1.07 diluted EPS) vs $24.3M ($1.22) in Q2 2022; non-GAAP operating net income $19.8M, up 34% YoY.","Core Bank net income $12.1M, up 43% GAAP; net interest income $51.4M, up 19%; net interest margin expanded 63 bps to 3.65%.","Traditional Bank average loans $4.28B, +18% YoY; weighted-average loan yield 4.98% vs 3.92% in prior year.","Provision for credit losses was a $2.1M charge; Core Bank allowance-to-loans 1.15%; nonperforming loans to total loans 0.34%.","RPG adjusted net income $8.9M (excluding prior-year legal settlement) vs $6.2M; prepaid card product drove net interest income growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-23-001122","json":"https://secwatch.observer/filing/0001157523-23-001122.json","markdown":"https://secwatch.observer/filing/0001157523-23-001122.md","text":"https://secwatch.observer/filing/0001157523-23-001122.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000115752323001122/0001157523-23-001122-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000115752323001122/a53470983.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:18:05.756200+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":[{"claim_id":"2fa5d59d9b50260d3ac66fb70473365a97f80ad0","claim":"REPUBLIC BANCORP INC /KY/ reported second quarter 2023 results: net income $21.1 million, EPS $1.07 per share.","evidence_excerpt":"Republic Bancorp, Inc. (“Republic” or the “Company”) reported second quarter 2023 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $21.1 million and $1.07 per share compared to $24.3 million and $1.22 per share for the second quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/921557/000115752323001122/0001157523-23-001122-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$21.1 million"},{"label":"EPS","value":"$1.07 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}