{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000379","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.817602+00:00","generated_at":"2026-05-27T12:48:23.582552+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Republic Bancorp reports record full year net income $101.4M; Q4 EPS $0.98 vs $1.01","bullets":["Full year net income $101.4M ($5.21 diluted EPS), up 12% YoY; Q4 net income $19.0M ($0.98 EPS), down 3% YoY.","Core Bank net income rose 11% to $17.6M in Q4 as NIM improved to 3.64% from 3.40%; credit quality remains strong with net charge-offs 0.02%.","RPG net income fell $2.4M to $1.4M due to higher TRS loss provision of $9.8M vs $3.9M a year ago on $139M ERA originations.","Revised third-party marketer-servicer agreement provides loss cap guarantee for ERAs; expects $2.8M additional fee income for current tax season.","Traditional Bank, Warehouse, and RCS all posted net income increases for 2024 of 21%, 37%, and 28% respectively."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000379","json":"https://secwatch.observer/filing/0001558370-25-000379.json","markdown":"https://secwatch.observer/filing/0001558370-25-000379.md","text":"https://secwatch.observer/filing/0001558370-25-000379.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000155837025000379/0001558370-25-000379-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000155837025000379/rbcaa-20250124x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:48:23.582552+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"}