Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
efficiency ratiofinancial
A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.
nonperforming assetsfinancial
Nonperforming assets are loans or investments that are not generating expected payments or returns because the borrower has fallen behind on payments or the investment has lost value. They matter to investors because a high level of nonperforming assets can indicate financial trouble for a bank or institution, potentially affecting its stability and profitability.
net charge-offs-to-average loans and leases ratiofinancial
A measure of how much a lender wrote off as unrecoverable loans, after any recoveries, divided by its typical outstanding loan balance; it shows the share of the loan book that was effectively lost over a period. Think of it like the fraction of borrowed items a lender had to accept as gone — investors watch it because rising values signal worsening credit quality, higher future losses, and pressure on profits and capital.
adjusted tangible common equity-to-tangible assets ratiofinancial
A measure of a company’s core owners’ claim on its tangible assets after removing intangible items like goodwill and certain adjustments for recent events. Think of it as the proportion of real, hard assets — buildings, cash, inventory — that shareholders would effectively own if you strip away accounting add-ons; investors use it to judge balance-sheet strength and loss-absorbing capacity, so a higher ratio signals a firmer cushion against downturns.
pretax return on average assetsfinancial
Pretax return on average assets measures how much profit a company generates from its assets before taxes, calculated by dividing pretax income by the average total assets over a period. Think of it like checking how much sales a shop makes from each dollar of shelves and equipment before paying taxes: it shows how efficiently a business uses its assets to create profit. Investors use it to compare operational performance across companies and time, independent of tax differences.
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Republic ranked highest among Kentucky-headquartered banks for third consecutive year
LOUISVILLE, Ky.--(BUSINESS WIRE)--
Republic Bank & Trust Company (“Republic” or “the Bank”) has once again been recognized by S&P Global Market Intelligence as a Top 50 Community Bank among institutions with $3–$10 billion in assets. Republic’s 24th place national ranking makes it the highest‑ranked bank or financial institution headquartered in Kentucky for the third year in a row.
“It is an honor that our performance continues to be recognized by S&P Global Market Intelligence as the highest‑ranked bank based in Kentucky,” said Steve Trager, Republic Bank Executive Chair. “This recognition is a credit to our associates and their continued focus on disciplined execution and consistent performance.”
S&P Global Market Intelligence ranks institutions based on returns, growth and funding, but places an emphasis on the strength and risk profile of balance sheets. Scores are calculated based on eight metrics: pretax return on average assets, net interest margin, efficiency ratio, 3-year average operating revenue change, 8-quarter average deposit change, nonperforming assets and loans 90 days or more past due as a percentage of total assets, net charge-offs-to-average loans and leases ratio, and adjusted tangible common equity-to-tangible assets ratio.
“This national ranking reflects the effectiveness of our operating model and our focus on strong financial fundamentals,” said Logan Pichel, Republic Bank President and Chief Executive Officer. “We remain committed to disciplined growth and long‑term stability.”
The full list of S&P Global Market Intelligence’s 2025 Top 50 Best-Performing U.S. Community Banks can be found here.
About Republic Bank
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 Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at www.republicbank.com. The Company is headquartered in Louisville, Kentucky, and as of December 31, 2025, had approximately $7.04 billion in total assets. The Company’s Class A Common Stock is listed under the symbol “RBCAA” on the NASDAQ Global Select Market.
