{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-005685","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.459663+00:00","generated_at":"2026-06-03T09:04:20.127887+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Republic Bancorp Q1 net income up 9% to $30.6M; diluted EPS $1.58 (+11% YoY)","bullets":["Core Bank NII fell 3% to $50.5M; NIM contracted to 3.30% from 3.98% as funding costs rose.","RPG net income $17.5M vs $17.8M; TRS net income down on higher provision, RCS up 14% to $6.1M.","Core Bank noninterest expense flat ex merger costs at $42.3M; provision expense declined to $0.7M from $3.1M.","Traditional Bank avg loans grew 18% YoY to $4.6B; spot loans down 1% QTD reflecting pricing discipline.","Core Bank NPAs remain low at 0.41% of loans; net charge-offs annualized 0.01%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-005685","json":"https://secwatch.observer/filing/0001558370-24-005685.json","markdown":"https://secwatch.observer/filing/0001558370-24-005685.md","text":"https://secwatch.observer/filing/0001558370-24-005685.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000155837024005685/0001558370-24-005685-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000155837024005685/rbcaa-20240425x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T09:04:20.127887+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":"1245a3cfb14f2f32ad28bc4e387bec9454c85738","claim":"REPUBLIC BANCORP INC /KY/ reported the quarter ended March 31, 2024 results: net income $30.6 million, EPS $1.58 per share.","evidence_excerpt":"Republic Bancorp, Inc. Reports First Quarter 2024 Net Income of $30.6 Million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/921557/000155837024005685/0001558370-24-005685-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$30.6 million"},{"label":"EPS","value":"$1.58 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"}