{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005337","form_type":"8-K","ticker":"RBCAA","cik":"0000921557","company_name":"REPUBLIC BANCORP INC /KY/","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.827116+00:00","generated_at":"2026-05-23T07:47:05.702888+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Republic Bancorp Q1 net income $47.3M, EPS $2.42, up 54% YoY; all segments profitable","bullets":["Net income $47.3M, diluted EPS $2.42 vs $30.6M/$1.58 YoY; ROA 2.61%, ROE 18.74%.","Core Bank net income up 32% to $17.4M; NIM improved to 3.70% from 3.30% YoY.","Tax Refund Solutions net income rose 123% to $19.6M; RA outstanding rate fell to 3.8% from 6.0%.","Noninterest income up $7.1M including $4.1M gain on Visa Class B-1 share sale and $1.6M insurance recovery.","Core Bank recorded $5.7M in core-contract deconversion/consulting fees; projects $16M savings over 5 years."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005337","json":"https://secwatch.observer/filing/0001558370-25-005337.json","markdown":"https://secwatch.observer/filing/0001558370-25-005337.md","text":"https://secwatch.observer/filing/0001558370-25-005337.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/921557/000155837025005337/0001558370-25-005337-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/921557/000155837025005337/rbcaa-20250424x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:47:05.702888+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"}