{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-009902","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2024-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.369032+00:00","generated_at":"2026-05-31T19:26:57.474588+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 Q2 2024 net income $25.2M (+20% YoY); EPS $1.30 (+22%)","bullets":["Core Bank net interest income $52.8M (+3% YoY); NIM 3.46% vs 3.65% due to funding mix shift.","RPG net income $10.2M (+14% YoY); RCS up 29% to $5.0M, TRS up to $3.1M.","Noninterest expenses down 6% to $42.6M on 42 FTE reduction; provision expense $1.1M vs $2.1M.","Sold $67M of lower-yielding mortgage loans; borrowed $100M from FHLB at 4.42% to lower funding costs.","Core Bank asset quality strong: net charge-offs 0.02% annualized, nonperforming loans 0.39% of total loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-009902","json":"https://secwatch.observer/filing/0001558370-24-009902.json","markdown":"https://secwatch.observer/filing/0001558370-24-009902.md","text":"https://secwatch.observer/filing/0001558370-24-009902.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000155837024009902/0001558370-24-009902-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000155837024009902/rbcaa-20240719x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:26:57.474588+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"}