Republic Bancorp Reports Solid First Quarter Results Highlighted by Strong Core Bank Net Interest Income Expansion
Key Terms
net interest income financial
net interest margin financial
Federal Home Loan Bank financial
Federal Funds Target Rate financial
basis points financial
brokered deposits financial
Logan Pichel, President and Chief Executive Officer of the Bank, commented, “We delivered a strong start to 2026, achieving net income of
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The following table illustrates the Total Company(1), Core Bank, and Republic Processing Group (“RPG”) actual and adjusted net income (non-GAAP) results for the first quarters of 2026 and 2025. Adjusted net income reflects management’s internal view of the Company’s operating performance.
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Total Company Net Income |
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Total Company Diluted Earnings Per Class A Common Share |
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Three Months Ended Mar. 31, |
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$ |
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% |
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Three Months Ended Mar. 31, |
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$ |
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% |
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(dollars in thousands, except per share data) |
|
2026 |
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2025 |
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Change |
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Change |
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2026 |
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2025 |
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Change |
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Change |
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Net Income, As Reported (GAAP) |
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$ |
42,569 |
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$ |
47,268 |
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$ |
(4,699 |
) |
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(10 |
) |
% |
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$ |
2.18 |
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$ |
2.42 |
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$ |
(0.24 |
) |
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(10 |
) |
% |
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Gain on sale of Republic Bank Finance, net of tax |
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(4,435 |
) |
|
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- |
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(4,435 |
) |
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- |
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(0.24 |
) |
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- |
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(0.24 |
) |
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- |
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Early Termination Penalty - FHLB Advances, net of tax |
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1,757 |
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- |
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|
1,757 |
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- |
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0.10 |
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- |
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0.10 |
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- |
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Nonrenewal of a Large Tax Provider Contract, net of tax |
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- |
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(8,438 |
) |
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8,438 |
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- |
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- |
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(0.44 |
) |
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0.44 |
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- |
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Gain on sale of Visa Class B-1 shares, net of tax |
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- |
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(3,287 |
) |
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3,287 |
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- |
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- |
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|
|
(0.17 |
) |
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0.17 |
|
|
- |
|
|
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Insurance Recovery, net of tax |
|
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- |
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(1,263 |
) |
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|
1,263 |
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- |
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- |
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(0.06 |
) |
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0.06 |
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- |
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Core System Deconversion and Consulting Fees, net of tax |
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- |
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4,593 |
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(4,593 |
) |
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- |
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- |
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0.24 |
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|
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(0.24 |
) |
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- |
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Adjusted Net Income (Non-GAAP) |
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$ |
39,891 |
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|
$ |
38,873 |
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$ |
1,018 |
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3 |
|
% |
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|
$ |
2.04 |
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$ |
1.99 |
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$ |
0.05 |
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3 |
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% |
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Core Bank Net Income |
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Republic Processing Group Net Income |
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Three Months Ended Mar. 31, |
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$ |
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% |
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Three Months Ended Mar. 31, |
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$ |
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% |
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(dollars in thousands, except per share data) |
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2026 |
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2025 |
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Change |
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Change |
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2026 |
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2025 |
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Change |
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Change |
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Net Income, As Reported (GAAP) |
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$ |
23,759 |
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$ |
17,361 |
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$ |
6,398 |
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37 |
% |
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$ |
18,810 |
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$ |
29,907 |
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$ |
(11,097 |
) |
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(37 |
) |
% |
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Gain on sale of Republic Bank Finance, net of tax |
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(4,435 |
) |
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- |
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(4,435 |
) |
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- |
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- |
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- |
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- |
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- |
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Early Termination Penalty - FHLB Advances, net of tax |
|
|
1,757 |
|
|
|
- |
|
|
|
1,757 |
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|
- |
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|
|
|
- |
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- |
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- |
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- |
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Nonrenewal of a Large Tax Provider Contract, net of tax |
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- |
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- |
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- |
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- |
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- |
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(8,438 |
) |
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8,438 |
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- |
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Gain on sale of Visa Class B-1 shares, net of tax |
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|
- |
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(3,287 |
) |
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3,287 |
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|
- |
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|
- |
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|
- |
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|
- |
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|
- |
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Insurance Recovery, net of tax |
|
|
- |
|
|
|
(1,263 |
) |
|
|
1,263 |
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- |
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- |
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- |
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- |
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- |
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Core System Deconversion and Consulting Fees, net of tax |
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- |
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4,593 |
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(4,593 |
) |
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- |
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- |
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- |
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- |
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- |
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Adjusted Net Income (Non-GAAP) |
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$ |
21,081 |
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$ |
17,404 |
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$ |
3,677 |
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|
21 |
% |
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$ |
18,810 |
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$ |
21,469 |
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$ |
(2,659 |
) |
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(12 |
) |
% |
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Pichel further commented, “As reflected in the table above, adjusted net income increased
Our first quarter 2026 results highlighted the strength of our core banking fundamentals, including disciplined expense management, solid credit performance, and strong Core Bank net interest income and net interest margin expansion. Our Core Banking segments, particularly Traditional Banking and Warehouse Lending, delivered a strong start to the year and were the primary drivers of overall performance. These results underscore our ability to generate sustainable net interest income growth in a dynamic rate environment and reflect the resilience of our business model and the effectiveness of our interest rate risk management strategies.
In addition to our solid quarterly operating results, we were recognized during the first quarter for our continued strong performance. In January, Newsweek and Plant A Insights Group named us one of America’s Best Regional Banks 2025 for the third consecutive year. This recognition—based on an evaluation of more than 9,000 financial institutions, over 70,000 customer surveys, and millions of social media reviews—underscores our ongoing commitment to customer service and community‑focused, relationship‑based banking. While we are proud of this accolade and our first‑quarter accomplishments, we remain intensely focused on delivering a consistent, high‑quality operating performance. I want to thank our clients for their continued trust and our associates for their dedication and commitment, which are fundamental to our success,” concluded Pichel.
The following table highlights Republic’s key metrics for the three months ended March 31, 2026, and 2025. Additional financial details, including segment-level data, are provided in the financial supplement to this release. The attached digital version of this release includes the financial supplement as an appendix. The financial supplement may also be found as Exhibit 99.2 of the Company’s Form 8-K filed with the SEC on April 23, 2026.
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Total Company Financial Performance Highlights |
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Three Months Ended Mar. 31, |
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$ |
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% |
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(dollars in thousands, except per share data) |
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2026 |
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2025 |
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Change |
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Change |
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Income Before Income Tax Expense |
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$ |
55,385 |
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$ |
59,962 |
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$ |
(4,577 |
) |
|
(8 |
) |
% |
|
Net Income |
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|
42,569 |
|
|
|
47,268 |
|
|
|
(4,699 |
) |
|
(10 |
) |
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Diluted EPS |
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2.18 |
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|
2.42 |
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(0.24 |
) |
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(10 |
) |
|
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Return on Average Assets ("ROA") |
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2.40 |
% |
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2.61 |
% |
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NA |
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(8 |
) |
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Return on Average Equity ("ROE") |
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|
15.28 |
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|
18.74 |
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NA |
|
(18 |
) |
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Results of Operations for the First Quarter of 2026 Compared to the First Quarter of 2025
Core Bank(1)
Net income for the Core Bank was
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As discussed in detail below, a solid increase in net interest income was further complemented by flat adjusted noninterest expenses, driving the overall Core Bank performance for the quarter.
Net Interest Income – Core Bank net interest income was
Significant items of note impacting the Core Bank’s net interest income and net interest margin expansion between the first quarter of 2026 and the first quarter of 2025 were as follows:
Interest-Earning Assets
-
Core Bank average interest‑earning cash declined to
$344 million 3.66% during the first quarter of 2026, compared to$517 million 4.45% yield for the first quarter of 2025. The decrease in average balances primarily reflected the deployment of excess liquidity into the investment portfolio, which offered more attractive yields due to a steeper yield curve, while the decline in yield was directly tied to the decrease in the overnight Federal Funds Target Rate. -
Average investments increased to
$907 million 4.24% during the first quarter of 2026, compared to$620 million 3.48% yield for the first quarter of 2025. The growth in average balances and higher yields reflect the Company’s ongoing deployment of excess liquidity into longer‑term investment securities over recent quarters, which offered more attractive yields than overnight, interest‑earning cash alternatives. -
Average outstanding Warehouse lines of credit increased
$152 million 33% , from$458 million $610 million 6.34% . Average committed Warehouse lines expanded from$968 million $1.22 billion 47% to50% . -
Traditional Bank average loans increased
$42 million $4.58 billion $4.62 billion 5.64% . The period‑over‑period increase in loan yield reflected the replacement of lower‑yielding loans through principal amortization and payoffs with new originations that generally earned higher yields. In addition, the year‑over‑year comparison of average loans was negatively impacted by the sale of$81 million
Funding Liabilities (Deposits and Borrowings)
As it relates to the Core Bank’s decrease in interest expense and the cost of its interest-bearing liabilities:
-
The weighted‑average cost of total interest‑bearing deposits declined from
2.26% during the first quarter of 2025 to1.98% for the first quarter of 2026, while average interest‑bearing deposit balances increased$277 million 8% . The growth in balances was led by a combined$326 million $49 million $11 million -
Average FHLB advances declined
$94 million 4.19% . The lower cost primarily reflected reduced usage of overnight borrowings and a decline in overnight borrowing rates driven by the decrease in the Federal Funds Target Rate. In addition, the Core Bank prepaid$220 million 4.57% , and incurred a$2.3 million
The following tables present by reportable segment the overall changes in the Core Bank’s net interest income, net interest margin, as well as average and period-end loan balances:
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Net Interest Income |
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Net Interest Margin |
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(dollars in thousands) |
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Three Months Ended Mar. 31, |
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Three Months Ended Mar. 31, |
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Reportable Segment |
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2026 |
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2025 |
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Change |
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2026 |
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2025 |
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Change |
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Traditional Banking |
|
$ |
59,327 |
|
|
$ |
53,321 |
|
$ |
6,006 |
|
|
4.10 |
% |
|
3.79 |
% |
|
|
0.31 |
|
% |
|
Warehouse Lending |
|
|
3,900 |
|
|
|
3,028 |
|
|
872 |
|
|
2.59 |
|
|
2.68 |
|
|
|
(0.09 |
) |
|
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Total Core Bank |
|
$ |
63,227 |
|
|
$ |
56,349 |
|
$ |
6,878 |
|
|
3.96 |
|
|
3.70 |
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|
0.26 |
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Average Loan Balances |
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Period-End Loan Balances |
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(dollars in thousands) |
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Three Months Ended Mar. 31, |
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Mar. 31, |
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Mar. 31, |
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Reportable Segment |
|
2026 |
|
2025 |
|
$ Change |
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% Change |
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|
2026 |
|
2025 |
|
$ Change |
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% Change |
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Traditional Banking |
|
$ |
4,618,228 |
|
$ |
4,575,790 |
|
$ |
42,438 |
|
1 |
% |
|
|
$ |
4,596,291 |
|
$ |
4,566,359 |
|
$ |
29,932 |
|
1 |
% |
|
Warehouse Lending |
|
|
610,442 |
|
|
458,657 |
|
|
151,785 |
|
33 |
|
|
|
|
629,848 |
|
|
569,502 |
|
|
60,346 |
|
11 |
|
|
Total Core Bank |
|
$ |
5,228,670 |
|
$ |
5,034,447 |
|
$ |
194,223 |
|
4 |
|
|
|
$ |
5,226,139 |
|
$ |
5,135,861 |
|
$ |
90,278 |
|
2 |
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Provision for Expected Credit Losses(2) – The Core Bank’s Provision was a net charge of
The net charge of
-
The Traditional Bank recorded a net charge to the Provision of
$705,000 $50 million -
Warehouse Lending recorded a net credit to the Provision of
$311,000 $124 million 16% , decrease in the outstanding Warehouse spot balances during the first quarter of 2026.
The net credit of
-
The Traditional Bank recorded a credit to the Provision of
$414,000 $5 million -
The Traditional Bank recorded a net credit to the Provision of
$491,000 -
Warehouse Lending recorded a net charge to the Provision of
$47,000 $19 million
As a percentage of total loans, the Core Bank’s Allowance(2) increased 9 basis points from March 31, 2025, to March 31, 2026. The table below provides a view of the Company’s percentage of Allowance-to-total-loans by reportable segment.
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As of Mar. 31, 2026 |
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|
As of Mar. 31, 2025 |
|
|
Year-over-Year Change |
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(dollars in thousands) |
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Allowance |
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Allowance |
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Allowance |
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Reportable Segment |
|
Gross Loans |
|
Allowance |
|
to Loans |
|
|
Gross Loans |
|
Allowance |
|
to Loans |
|
|
to Loans |
|
% Change |
|
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|
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Traditional Bank |
|
$ |
4,596,291 |
|
$ |
64,041 |
1.39 |
% |
|
$ |
4,566,359 |
|
$ |
58,851 |
1.29 |
% |
|
0.10 |
|
% |
8 |
|
% |
|
|||||
Warehouse Lending |
|
|
629,848 |
|
|
1,571 |
|
0.25 |
|
|
|
|
569,502 |
|
|
1,421 |
|
0.25 |
|
|
|
— |
|
|
|
— |
|
|
|
Total Core Bank |
|
|
5,226,139 |
|
|
65,612 |
|
1.26 |
|
|
|
|
5,135,861 |
|
|
60,272 |
|
1.17 |
|
|
|
0.09 |
|
|
|
8 |
|
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||
Tax Refund Solutions |
|
|
9,159 |
|
|
6,344 |
|
69.27 |
|
|
|
|
36,185 |
|
|
25,981 |
|
71.80 |
|
|
|
(2.53 |
) |
|
|
(4 |
) |
|
|
Republic Credit Solutions |
|
|
131,675 |
|
|
19,884 |
|
15.10 |
|
|
|
|
117,747 |
|
|
20,050 |
|
17.03 |
|
|
|
(1.93 |
) |
|
|
(11 |
) |
|
|
Total Republic Processing Group |
|
|
140,834 |
|
|
26,228 |
|
18.62 |
|
|
|
|
153,932 |
|
|
46,031 |
|
29.90 |
|
|
|
(11.28 |
) |
|
|
(38 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||||||||||||
Total Company |
|
$ |
5,366,973 |
|
$ |
91,840 |
1.71 |
% |
|
$ |
5,289,793 |
|
$ |
106,303 |
2.01 |
% |
|
(0.30 |
) |
% |
(15 |
) |
% |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
|
|
Allowance for Credit Losses on Loans Roll-Forward |
||||||||||||||||||||||||||||||||
|
|
Three Months Ended March 31, |
||||||||||||||||||||||||||||||||
|
|
2026 |
|
|
|
2025 |
|
|
||||||||||||||||||||||||||
(in thousands) |
|
Beginning |
|
|
|
|
Charge- |
|
|
|
Ending |
|
Beginning |
|
|
|
|
Charge- |
|
|
|
Ending |
||||||||||||
Reportable Segment |
|
Balance |
|
Provision |
|
offs |
|
Recoveries |
|
Balance |
|
Balance |
|
Provision |
|
offs |
|
Recoveries |
|
Balance |
||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Traditional Bank |
|
$ |
63,662 |
|
$ |
705 |
|
|
$ |
(481 |
) |
|
$ |
155 |
|
$ |
64,041 |
|
$ |
59,756 |
|
$ |
(769 |
) |
|
$ |
(271 |
) |
|
$ |
135 |
|
$ |
58,851 |
Warehouse Lending |
|
|
1,882 |
|
|
(311 |
) |
|
|
— |
|
|
|
— |
|
|
1,571 |
|
|
1,374 |
|
|
47 |
|
|
|
— |
|
|
|
— |
|
|
1,421 |
Total Core Bank |
|
|
65,544 |
|
|
394 |
|
|
|
(481 |
) |
|
|
155 |
|
|
65,612 |
|
|
61,130 |
|
|
(722 |
) |
|
|
(271 |
) |
|
|
135 |
|
|
60,272 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Tax Refund Solutions |
|
|
333 |
|
|
5,342 |
|
|
|
— |
|
|
|
669 |
|
|
6,344 |
|
|
9,861 |
|
|
15,427 |
|
|
|
— |
|
|
|
693 |
|
|
25,981 |
Republic Credit Solutions |
|
|
19,475 |
|
|
4,044 |
|
|
|
(3,936 |
) |
|
|
301 |
|
|
19,884 |
|
|
20,987 |
|
|
2,967 |
|
|
|
(4,254 |
) |
|
|
350 |
|
|
20,050 |
Total Republic Processing Group |
|
|
19,808 |
|
|
9,386 |
|
|
|
(3,936 |
) |
|
|
970 |
|
|
26,228 |
|
|
30,848 |
|
|
18,394 |
|
|
|
(4,254 |
) |
|
|
1,043 |
|
|
46,031 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Total Company |
|
$ |
85,352 |
|
$ |
9,780 |
|
|
$ |
(4,417 |
) |
|
$ |
1,125 |
|
$ |
91,840 |
|
$ |
91,978 |
|
$ |
17,672 |
|
|
$ |
(4,525 |
) |
|
$ |
1,178 |
|
$ |
106,303 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
The table below presents the Core Bank’s credit quality metrics:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Quarters Ended: |
Years Ended: |
||||||||
|
Mar. 31, |
|
Mar. 31, |
|
Dec. 31, |
Dec. 31, |
Dec. 31, |
|||
Core Banking Credit Quality Ratios |
2026 |
|
2025 |
|
2025 |
2024 |
2023 |
|||
|
|
|
|
|
|
|
|
|
|
|
Nonperforming loans to total loans |
0.61 |
% |
0.44 |
% |
0.45 |
% |
0.44 |
% |
0.39 |
% |
|
|
|
|
|
|
|
|
|
|
|
Nonperforming assets to total loans (including OREO) |
0.63 |
|
0.46 |
|
0.47 |
|
0.46 |
|
0.41 |
|
|
|
|
|
|
|
|
|
|
|
|
Delinquent loans* to total loans |
0.63 |
|
0.18 |
|
0.26 |
|
0.20 |
|
0.16 |
|
|
|
|
|
|
|
|
|
|
|
|
Net charge-offs to average loans |
0.03 |
|
0.01 |
|
0.03 |
|
0.05 |
|
0.01 |
|
(Quarterly rates annualized) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
OREO = Other Real Estate Owned |
|
|
|
|
|
|
|
|
|
|
*Loans 30-days-or-more past due at the time the second contractual payment is past due. |
||||||||||
Noninterest Income – Core Bank noninterest income increased
| (i) |
a |
|
| (ii) |
a |
|
| (iii) |
a |
The primary driver of the increase in adjusted noninterest income was service charges on deposits, which increased
Noninterest Expense – The Core Bank’s noninterest expenses were
| (i) |
a |
|
| (ii) |
a |
Notable fluctuations for adjusted noninterest expense were as follows:
-
Salaries and Benefits increased
$411,000 2% , as a slight decrease in full-time equivalent employees was more than offset by annual merit based salary increases and higher bonus accruals. -
Core Bank Technology expense declined
$632,000 8% , driven by cost savings realized following the core system conversion completed in mid-October 2025. -
Interchange related expense decreased
$238,000
Republic Processing Group(1)
RPG reported net income of
Tax Refund Solutions
The TRS segment derives substantially all of its revenues during the first and second quarters of the year. TRS recorded net income of
Republic Payment Solutions
Net income at RPS was
Republic Credit Solutions
RCS net income declined by
Republic Bancorp, Inc. (the “Company”) is the parent company of Republic Bank & Trust Company (the “Bank”). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas (“MSAs”) across five states: 22 banking centers located within the Louisville MSA in
Republic Bank. Time to Thrive.™
Forward-Looking Statements
This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The forward-looking statements in the preceding paragraphs are based on our current expectations and assumptions regarding our business, the future impact to our balance sheet and income statement resulting from changes in interest rates, the yield curve, the future ability of the Core Bank to recoup its FHLB early termination fee based on the current interest rate environment, the ability to develop products and strategies in order to meet the Company’s long-term strategic goals and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Our actual results may differ materially from those contemplated by forward-looking statements. We caution you therefore against relying on any of these forward-looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. Actual results could differ materially based upon factors disclosed from time to time in the Company’s filings with the
Footnotes:
| (1) | The Company is divided into five reportable segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions (“TRS”), Republic Payment Solutions (“RPS”), and Republic Credit Solutions (“RCS”). Management considers the first two segments to collectively constitute “Core Bank” or “Core Banking” operations, while the last three segments collectively constitute Republic Processing Group (“RPG”) operations. |
|
(2) |
Provision or Provision for expected credit loss expense includes provisions for losses on on-balance sheet loans with changes reflected in the Allowance, or Allowance for credit losses on loans. Provision expense for off-balance sheet credit exposures is recorded as a component of other noninterest expense, with changes reflected in the Allowance for credit losses on off-balance sheet credit exposures, a component of other liabilities on the Company’s balance sheet. |
|
(3) |
The following table provides a reconciliation of Core Bank’s pre-tax noninterest income in accordance with GAAP, to an adjusted pre-tax noninterest income, a non-GAAP disclosure. Adjusted noninterest income reflects management’s internal view of the Company’s operating performance. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
Core Bank Noninterest Income |
|||||||||||||
|
|
Three Months Ended Mar. 31, |
|
$ |
|
% |
|||||||||
(dollars in thousands, except per share data) |
|
2026 |
|
2025 |
|
Change |
|
Change |
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
Noninterest Income, As Reported (GAAP) |
|
$ |
15,799 |
|
|
$ |
15,384 |
|
|
$ |
415 |
|
|
3 |
% |
Gain on sale of Republic Bank Finance |
|
|
(5,845 |
) |
|
|
- |
|
|
|
(5,845 |
) |
|
- |
|
Gain on sale of Visa Class B-1 shares |
|
|
- |
|
|
|
(4,090 |
) |
|
|
4,090 |
|
|
- |
|
Insurance Recovery |
|
|
- |
|
|
|
(1,571 |
) |
|
|
1,571 |
|
|
- |
|
Adjusted Noninterest Income (Non-GAAP) |
|
$ |
9,954 |
|
|
$ |
9,723 |
|
|
$ |
231 |
|
|
2 |
% |
(4) |
The following table provides a reconciliation of Core Bank’s pre-tax noninterest expense in accordance with GAAP, to an adjusted pre-tax noninterest expense, a non-GAAP disclosure. Adjusted noninterest expense reflects management’s internal view of the Company’s operating performance. |
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
|
|
Core Bank Noninterest Expense |
||||||||||||||
|
|
Three Months Ended Mar. 31, |
|
$ |
|
% |
||||||||||
(dollars in thousands, except per share data) |
|
2026 |
|
2025 |
|
Change |
|
Change |
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
Noninterest Expense, As Reported (GAAP) |
|
$ |
47,324 |
|
|
$ |
50,778 |
|
|
$ |
(3,454 |
) |
|
(7 |
) |
% |
Early Termination Penalty - FHLB Advances |
|
|
(2,316 |
) |
|
|
- |
|
|
|
(2,316 |
) |
|
- |
|
|
Core System Deconversion and Consulting Fees |
|
|
- |
|
|
|
(5,714 |
) |
|
|
5,714 |
|
|
- |
|
|
Adjusted Noninterest Expense (Non-GAAP) |
|
$ |
45,008 |
|
|
$ |
45,064 |
|
|
$ |
(56 |
) |
|
- |
|
% |
NM – Not meaningful |
||
NA – Not applicable |
View source version on businesswire.com: https://www.businesswire.com/news/home/20260423516876/en/
Republic Bancorp, Inc.
Kevin Sipes
Executive Vice President & Chief Financial Officer
(502) 560-8628
Source: Republic Bancorp, Inc.