---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-24-013388"
form_type: "8-K"
ticker: "RBCAA"
cik: "0000921557"
company_name: "REPUBLIC BANCORP INC /KY/"
filed_at: "2024-10-18T23:59:59+00:00"
generated_at: "2026-05-30T12:58:34.262281+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Republic Bancorp Q3 net income $26.5M, up 23% YoY; Diluted EPS $1.37, up 25%

## Summary
- Net income $26.5M (Diluted EPS $1.37) vs $21.6M ($1.10) in Q3 2023, increases of 23% and 25%.
- YTD net income $82.4M, up 16% YoY; ROA 1.60%, ROE 11.53%.
- Core Bank net income rose 30% to $17.2M; NIM expanded to 3.53% from 3.43%.
- Republic Processing Group net income $9.4M, up 12%; Republic Credit Solutions up 29%.
- Nonperforming loans to total loans stable at 0.38%; credit quality remains favorable.

## SEC filing metadata
- accession: 0001558370-24-013388
- form_type: 8-K
- ticker: RBCAA
- cik: 0000921557
- company_name: REPUBLIC BANCORP INC /KY/
- filed_at: 2024-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/921557/000155837024013388/0001558370-24-013388-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000155837024013388/rbcaa-20241018x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-013388
- JSON: https://secwatch.observer/filing/0001558370-24-013388.json
- Plain text: https://secwatch.observer/filing/0001558370-24-013388.txt

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