---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009288"
form_type: "8-K"
ticker: "RBCAA"
cik: "0000921557"
company_name: "REPUBLIC BANCORP INC /KY/"
filed_at: "2025-07-18T23:59:59+00:00"
generated_at: "2026-05-18T05:52:56.880267+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Republic Bancorp Q2 net income up 25% to $31.5M; EPS $1.61

## Summary
- Net income $31.5M, Diluted EPS $1.61; up 25% and 24% YoY respectively.
- Core Bank NIM expanded 26 bps to 3.72%; net interest income rose 13% to $59.9M.
- Provision for credit losses was $1.8M vs $5.1M a year ago; net charge-offs improved.
- Republic Processing Group net income up 25% to $12.8M, led by Republic Credit Solutions up 40%.
- CEO cites solid earnings metrics, balance sheet expansion, and low core bank charge-offs.

## SEC filing metadata
- accession: 0001558370-25-009288
- form_type: 8-K
- ticker: RBCAA
- cik: 0000921557
- company_name: REPUBLIC BANCORP INC /KY/
- filed_at: 2025-07-18T23:59:59+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/921557/000155837025009288/0001558370-25-009288-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/921557/000155837025009288/rbcaa-20250718x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009288
- JSON: https://secwatch.observer/filing/0001558370-25-009288.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009288.txt

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