Republic Bancorp posts 2026 shareholder meeting materials

Republic Bancorp, Inc. filed a current report to furnish materials for its Annual Meeting of Shareholders.

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Form Type

8-K

Rhea-AI Filing Summary

Republic Bancorp, Inc. filed a current report to furnish materials for its Annual Meeting of Shareholders. The company will give a Meeting Presentation on April 23, 2026, at 10:00 A.M. Eastern Daylight Time, and the related presentation materials are provided as Exhibit 99.1.

The information in Item 7.01 and Exhibit 99.1 is being furnished under Regulation FD, not filed for liability purposes under the Exchange Act, and will be incorporated into other filings only if specifically referenced.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Annual meeting date: April 23, 2026 Annual meeting time: 10:00 A.M. Eastern Daylight Time Principal executive office address: 601 West Market Street, Louisville, Kentucky 40202

3 metrics

Annual meeting date April 23, 2026 Date of Annual Meeting of Shareholders

Annual meeting time 10:00 A.M. Eastern Daylight Time Time of shareholder meeting presentation

Principal executive office address 601 West Market Street, Louisville, Kentucky 40202 Corporate headquarters location

Key Terms

Regulation FD, Annual Meeting of Shareholders, Exhibit 99.1, Exchange Act, +1 more

5 terms

Regulation FD regulatory

"The information in this Item 7.01, and Exhibit 99.1 attached hereto, is furnished pursuant to the rules and regulations of the U.S. Securities and Exchange Commission"

Regulation FD is a rule that prevents company insiders, like executives, from sharing important information with some people before others get it. It matters because it helps ensure all investors have equal access to key news, making the stock market fairer and reducing chances of insider trading.

Annual Meeting of Shareholders financial

"will make a presentation (the “Meeting Presentation”) at its Annual Meeting of Shareholders on Thursday, April 23, 2026"

A yearly gathering where a company’s owners (shareholders) vote on key items like electing the board, approving executive pay, and ratifying auditors, and receive updates on performance and strategy. Think of it as an annual town hall for owners: it matters to investors because outcomes and disclosures can affect leadership, corporate direction, dividend and governance policies, and therefore the company’s risk and potential return.

Exhibit 99.1 regulatory

"A copy of the Meeting Presentation materials are set forth in Exhibit 99.1 attached hereto"

Exhibit 99.1 is a label used in regulatory filings to identify a specific attached document, most often a company press release or investor presentation filed with securities regulators. For investors it matters because it marks an official, contemporaneous source of information directly tied to a filing—like the original news article pinned to a legal record—so traders and analysts treat it as an authoritative statement that can move a stock or clarify a company’s situation.

Exchange Act regulatory

"shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended"

A federal law that sets rules for trading securities on public exchanges, requiring companies and market participants to register, disclose regular financial information, and follow standards that promote honest, orderly markets. For investors, it matters because it creates transparency and legal protections—like stopping insider trading and ensuring timely company disclosures—so you can evaluate risks and rely on consistent rules much as players rely on a referee to keep a game fair.

inline XBRL document technical

"104 | Cover Page Interactive Data File (embedded within the inline XBRL document)"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Republic Bancorp, Inc. disclose in this 8-K filing (RBCAA)?

Republic Bancorp, Inc. disclosed that it will present at its Annual Meeting of Shareholders and furnished the related materials. The company attached its Meeting Presentation as Exhibit 99.1, providing shareholders with the slides to be used during the April 23, 2026 meeting.

When is Republic Bancorp, Inc.’s 2026 Annual Meeting of Shareholders?

The Annual Meeting of Shareholders is scheduled for April 23, 2026, at 10:00 A.M. Eastern Daylight Time. Republic Bancorp, Inc. will use a Meeting Presentation at that time, and the associated presentation materials are furnished as Exhibit 99.1 in the report.

What is Exhibit 99.1 in Republic Bancorp, Inc.’s 8-K filing?

Exhibit 99.1 contains the Presentation Materials for Republic Bancorp, Inc.’s Annual Meeting of Shareholders. These materials comprise the Meeting Presentation that will be used at the April 23, 2026 meeting and are furnished under Item 7.01 of the report.

Is the Republic Bancorp, Inc. Meeting Presentation considered filed with the SEC?

The Meeting Presentation in Item 7.01 and Exhibit 99.1 is furnished, not filed, with the SEC. The company notes it is not subject to Section 18 Exchange Act liabilities and is only incorporated into other filings if specifically referenced.

Which executive signed this Republic Bancorp, Inc. 8-K filing?

The 8-K was signed on behalf of Republic Bancorp, Inc. by Kevin Sipes. He is identified as Executive Vice President, Chief Financial Officer, and Chief Accounting Officer, executing the report pursuant to the requirements of the Securities Exchange Act of 1934.

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Accepted by SEC EDGAR 04/23/2026 - 09:50 AM EDT

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): April 23, 2026

REPUBLIC BANCORP, INC.

(Exact name of registrant as specified in its charter)


Kentucky	0-24649	61-0862051
(State or other jurisdiction	(Commission File Number)	(I.R.S. Employer Identification No.)
of incorporation)


601 West Market Street, Louisville, Kentucky	40202
(Address of principal executive offices)	(zip code)

Registrant’s telephone number, including area code: (502) 584-3600

NOT APPLICABLE
(Former Name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:



Title of each class	Trading Symbol	Name of each exchange on which registered
Class A Common	RBCAA	The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. REGULATION FD DISCLOSURE.

Republic Bancorp, Inc. will make a presentation (the “Meeting Presentation”) at its Annual Meeting of Shareholders on Thursday, April 23, 2026, at 10:00 A.M. (Eastern Daylight Time). A copy of the Meeting Presentation materials are set forth in Exhibit 99.1 attached hereto.

The information in this Item 7.01, and Exhibit 99.1 attached hereto, is furnished pursuant to the rules and regulations of the U.S. Securities and Exchange Commission and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.


(d)	Exhibits.

	Exhibit No.
	99.1	Presentation Materials for Annual Meeting of Shareholders
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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


		Republic Bancorp, Inc.
		(Registrant)


Date: April 23, 2026	By:	/s/ Kevin Sipes
		Executive Vice President, Chief Financial Officer & Chief Accounting Officer

Exhibit 99.1

P a g e Annual Meeting of Shareholders April 23, 2026 Springhurst Lower Level | Louisville, KY

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 2 During this presentation, we will be providing you with a discussion of some of the factors we currently anticipate may influence the future results of Republic Bancorp, Inc. (“Republic” or the “Company”), as well as certain financial projections. We want to emphasize that these forward-looking statements involve judgment, and that individual judgments may vary. Moreover, these statements are based on limited information available to us now, which is subject to change. Actual results may differ substantially from what we say today, and no one should assume later that the comments we provide today are still valid. They speak only as of today. Specific risk factors that could change causing our projections not to be achieved are discussed in the “Risk Factors” section of our Form 10-K filed with the Securities and Exchange Commission (“SEC”) on March 6, 2026, and other reports filed with the SEC from time-to-time. Safe Harbor Statement

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 3 M E E T I N G AGENDA STRATEGIC PRIORITIES Logan Pichel, President & CEO Republic Bank & Trust Company 2026 Q1 RESULTS (Quarter ended March 31, 2026) Logan Pichel, President & CEO Republic Bank & Trust Company 2025 FINANCIAL HIGHLIGHTS Steve Trager, Executive Chair & CEO Republic Bancorp BUSINESS OVERVIEW Steve Trager, Executive Chair & CEO Republic Bancorp

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 4 Steve Trager Executive Chair & CEO Republic Bancorp 2025 FINANCIAL HIGHLIGHTS Steve Trager, Executive Chair & CEO Republic Bancorp STRATEGIC PRIORITIES Logan Pichel, President & CEO Republic Bank & Trust Company 2026 Q1 RESULTS (Quarter ended March 31, 2026) Logan Pichel, President & CEO Republic Bank & Trust Company BUSINESS OVERVIEW Steve Trager, Executive Chair & CEO Republic Bancorp

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e Overview of Republic Bancorp 5 IN-3 OH-4 TN-4 KY-29 Retail Footprint FL-7 47 banking centers in FIVE states Largest market share is Louisville, KY MSA Ability to originate mortgage loans in 26 states plus D.C.; select financial services across the U.S. Headquartered in Louisville, Kentucky Class A common shares traded on NASDAQ Global Select Market – symbol: RBCAA $7.3B in total assets and 966 FTEs as of 3-31-26 (RB&T) Republic’s wholly-owned subsidiary, founded in 1982 Bank Profile Republic Bank & Trust Company National Business Lines CORE Warehouse lending / Aircraft lending RPG TRS RPS RCS Republic Processing Group (RPG) Tax Refund Solutions (TRS) Republic Payment Solutions (RPS) Republic Credit Solutions (RCS)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 6 Republic Bank & Trust Company founded (Bardstown Rd) 1982 Corporate Center 1987 Lexington 1993 Republic Bancorp, Inc. IPO Refunds Now Acquisition (Tax Refund Solutions) 1998 Indiana 2001 Northern KY & Florida 2006 Ohio 2008 Florida (4 Banking Centers Acquired) 2016 CBank (Cincinnati) Acquisition 2023 Tennessee 2012 47 Banking Centers in 5 States $7B in total assets 2026 80+ Year Old Shelby County Bank Acquired, Renamed Republic Bank of Shelby County 1977 Key History Timeline COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 7 2026 Purpose Architecture COMPANY MISSION To enable our clients, company, associates and the communities we serve to THRIVE. Innovate for the future Make it easy Provide exceptional service Acknowledge & celebrate success Commit to caring Thrive together How we will make an IMPACT What we will PRIORITIZE How we will serve our CLIENTS Navigate the Bank for the client Build connections Be accountable Commit to same-day resolution Create a best-in-class client/associate experience Continued investment in Associate development Increase prudent and profitable revenue-generating activities Continually improve operational efficiency Innovate for the future

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 8

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 9 NET PROMOTER SCORE (“NPS”) NPS measures “How likely are you to recommend Republic Bank to a friend or colleague?” computing the difference between the % of Promoters and Detractors. A score of 80 is considered World Class. 3Q 2025 73 3Q 2024 75 3Q 2023 58 Scores continue to exceed 2X the industry average of 31 (Source: Qualtrics XMI Consumer NPS 2025 U.S. Study) clients 3Q 2022 44

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 10 Associate Engagement Survey Scores / Year 2025 2024 2023 81% 78% 76% o Associate Engagement Survey shows overall 81% favorability score o Score Definitions: • 70-79% – “Healthy” • 80-89% – “Great” • 90%+ – “Excellent” associates

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 11 $3.3M in charitable donations through Republic Bank & Republic Bank Foundation 475 different organizations impacted 5,500 hours of community service by Republic Bank associates communities Republic Bank named in the top 10 most philanthropic large companies in Louisville by Business First for the 10th consecutive year! #1 Bank

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e Awards and Recognition 12 America’s Best Regional Banks and Credit Unions 2026 from Newsweek (the only Louisville-based bank on the list) Raymond James Community Bankers Cup Awarded to top 10% of community banks nationwide from Raymond James Top 50 Community Banks with assets of $3B to $10B from S&P Market Intelligence Best Places to Work in Kentucky Award from Kentucky Chamber of Commerce and the Kentucky Society for Human Resource Management (KYSHM) Bank Director Top 25 Banks Ranked among the top 25 publicly traded banks from Bank Director Top 10 Large Corporate Philanthropists in Louisville From Louisville Business First Partners in Philanthropy (Republic Bancorp is the only bank in the top 10)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 13 2025 Other Notable Highlights Added all SVPs+ to Long-Term Incentive Program (LTIP) Paid core conversion bonuses to 350 associates Paid discretionary bonuses to 650 AVP’s and non-officer associates due to strong 2025 financial results Granted robust merit increases Converted to a new core system in eight months Sold consumer credit card portfolio Enhanced maternity leave for associates Introduced Women-Owned business initiative

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 14 Steve Trager Executive Chair & CEO Republic Bancorp 2025 FINANCIAL HIGHLIGHTS Steve Trager, Executive Chair & CEO Republic Bancorp STRATEGIC PRIORITIES Logan Pichel, President & CEO Republic Bank & Trust Company 2026 Q1 RESULTS (Quarter ended March 31, 2026) Logan Pichel, President & CEO Republic Bank & Trust Company BUSINESS OVERVIEW Steve Trager, Executive Chair & CEO Republic Bancorp

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 15 2025 Financial Results All-time record year for net income Diluted Earnings per Class A Common Share increased 29% to $6.72 in 2025 Maintained a consistently low efficiency ratio, reflecting strong cost discipline and operating effectiveness. Non-Interest Expense ($K) & FTEs (count) FTEs Efficiency Ratio & Operating Leverage Operating Leverage $199,398 $202,725 $220,189 1019 989 973 2023 2024 2025 55.4% 52.7% 52.7% +3.9% +5.2% -0.1% 2023 2024 2025 Sustained Efficiency Ratio $90,374 $101,371 $131,317 2023 2024 2025 +30% Net Income ($K)

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 16 Total Company Favorable decrease in Average Loan-to-Deposit Ratio & Cost of Deposits Solid growth in average quarterly deposits as measured by 4Q 2025 average deposits versus 4Q 2024 average deposits Loan to Deposit Ratios (4th Qtr. Avg.) 4 th Qtr. Avg. Deposits ($M) 104% 101% 100% 4Q23 4Q24 4Q25 1.60% 1.79% 1.50% 4Q23 4Q24 4Q25 4Q23 4Q24 4Q25 $4,926 $5,250 $5,346 Quarterly Deposit Costs +2%

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 17 Total Company Non-Interest Income ($K) Non-interest Income increased 14% versus 2024 Mortgage Banking Income increased $2.0M, or 36% Diversified revenue sources 21% RPG Program Fees $17,605 21% Net Refund Transfer Fees $17,685 18% Service Charges on Deposits $14,436 15% Interchange Fee Income $12,191 9% Mortgage Banking Income $7,401 7% Other Non-Interest Income & Net Losses on OREO $5,821 5% Gain on sale of Visa Class B-1 Shares $4,090 +36% 2024 $72,650 $82,825 2025 +14% 4% BOLI Income $3,596

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 18 Noninterest Expense increased 9% versus 2024 Salaries and Employee Benefits increased $8.4M, or 7% 58% Salaries and Employee Benefits $127,060 16% Technology, Equipment and Communication $34,618 11% All Other Non-interest Expense $24,030 6% Occupancy $14,175 3% Marketing and Development $7,720 3% Interchange-related Expense $6,373 +7% $202,725 $220,189 2024 2025 +9% Total Company Non-Interest Expense ($K) 3% Core Conversion Expense $6,213

CORE A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 19 Core Bank Highlights Core Bank Net Income growth of 14% driven primarily by 12% increase in Net Interest Income versus 2024 Core Bank Net Income ($K) Net Interest Income ($K) $51,456 $62,874 $71,757 2023 2024 2025 +14% $204,245 $215,608 $241,228 2023 2024 2025 +12%

CORE A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 20 2025 Annual Net Interest Margin grew 29 basis points from 2024 Quarterly NIM grew substantially on a linked quarter basis from 4Q 2024 thru 4Q 2025 Quarterly NIM 3.64% 3.70% 3.72% 3.78% 3.87% +6 bps 4Q24 1Q25 2Q25 3Q25 4Q25 3.61% 3.48% 3.77% 2023 2024 2025 +29 bps Net Interest Margin (“NIM”) Core Bank Highlights

RPG A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 21 RPG Highlights Total Republic Processing Group (“RPG”) net income of $59.6M, up 55% from 2024 Increase in TRS net income primarily the result of lower provision expense of $20.5M or 68% Income growth seen in all three segments of RPG $18,365 $23,544 $27,973 2023 2024 2025 +19% Tax Refund Solutions (“TRS”) Net Income ($K) TRS Republic Payment Systems (“RPS”) Net Income ($K) RPS Republic Credit Solutions (“RCS”) Net Income ($K) RCS $11,697 $8,555 $9,595 2023 2024 2025 +12% $8,856 $6,398 $21,992 2023 2024 2025 +244%

CORE A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 22 Credit Quality: Net Charge-Offs Net charge-offs remain historically low and significantly better than similar-sized banks 0.01% 0.05% 0.03% 0.11% 0.14% 0.16% 0.11% 0.14% 0.17% 2023 2024 2025 CORE UBPR Peer Internal Peer CORE UBPR Peer Internal Peer CORE UBPR Peer Internal Peer (1) UBPR used throughout this presentation represents all commercial banks with total assets between $3 billion and $10 billion as published by the FDIC in its quarterly Uniform Bank Performance Report. (2) See Internal Peer List on Slide 41

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 23 Balance Sheet

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 24 Asset Growth Since 1990 2025 Compounded Annual Growth Rate (“CAGR”) of 7.34% since 1990 $0.55 $1.21 $3.93 $5.24 $7.04 $0.25 $1.25 $2.25 $3.25 $4.25 $5.25 $6.25 $7.25 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 CAGR = 7.34% Total Assets ($B)

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 25 Total Company Loans Total loans remained steady at $5.4B, from 2024 Total Core Bank loan growth of $180M, or 3.5%, over 2024 Well diversified loan portfolio Commercial Real Estate $1,798 33% Home Equity $414 8% Residential Real Estate OO $1,040 19% Residential Real Estate NOO $283 5% Aircraft 3% $203 Warehouse Lines of Credit $754 14% RPG Loans $146 3% Commercial & Industrial $529 10% Construction and Land Development $238 4% 1% All Other $41 Loan Balances* as of 12-31-25 ($M) * Reclassified $82 million of loans and leases during 4Q25 from held for investment to held for sale.

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e Core Bank Interest Bearing 71% $3,707 RPG Interest Bearing 6% $323 26 Total Company Deposits Total deposits stayed steady at $5.2B compared to 2024 Total Core Bank deposit growth of $203M, or 4.4% Core Bank Non-Interest Bearing 21% $1,102 RPG Bank Non-Interest Bearing $71 2% Deposit Balances as of 12-31-25 ($M)

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 27 Capital Levels – RB&TC Capital levels remain among the best in the industry 13.3% 13.3% 14.2% 10.1% 10.3% 10.6% 5.0% Tier-1 Leverage Ratio RB&TC UBPR Peer Well-capitalized 14.3% 14.9% 15.6% 13.0% 13.2% 13.5% 6.5% 12-31-23 12-31-24 12-31-25 12-31-23 12-31-24 12-31-25 12-31-23 12-31-24 12-31-25 Tier-1 Risk-based Ratio Common Equity Tier 1 Capital Ratio Total Risk-based Capital 15.5% 16.1% 16.8% 14.1% 14.3% 14.6% 10.0% 14.3% 14.9% 15.6% 13.0% 13.2% 13.5% 8.0% 12-31-23 12-31-24 12-31-25

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 28 Dividends 2025 Compounded Annual Growth Rate (“CAGR”) of 11.73% since 1999 $0.09 $0.12 $0.14 $0.16 $0.20 $0.21 $0.24 $0.29 $0.35 $0.41 $0.46 $0.51 $0.55 $0.59 $0.64 $1.10 $0.68 $0.73 $0.77 $0.81 $0.86 $0.95 $1.03 $1.12 $1.23 $1.36 $1.50 $1.63 $1.80 $- $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $1.80 $2.00 1999 2000 2001 2002 2003 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 *Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared. Regular Dividend Special Dividend 28 CAGR = 11.73% *

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 29 Logan Pichel President & CEO Republic Bank & Trust Company STRATEGIC PRIORITIES Logan Pichel, President & CEO Republic Bank & Trust Company 2026 Q1 RESULTS (Quarter ended March 31, 2026) Logan Pichel, President & CEO Republic Bank & Trust Company 2025 FINANCIAL HIGHLIGHTS Steve Trager, Executive Chair & CEO Republic Bancorp BUSINESS OVERVIEW Steve Trager, Executive Chair & CEO Republic Bancorp

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 30 Total Company Highlights 1Q26 Net Income for 1Q26 was $42.6M, a $4.7M, or 10% decrease in Net Income versus 1Q25 Diluted Earnings Per Class A Common Share decreased 10% to $2.18 Net Income ($M) Net Income by Segment ($M) $47.3 $42.6 1Q25 1Q26 -10% 1Q25 1Q26 1Q25 1Q26 $15.7 $1.7 $19.6 $2.9 $7.4 $21.3 $2.5 $9.7 $2.1 $7.0 Trad Bank CORE Warehouse TRS RPS RCS

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 31 Total Company Highlights 1Q26 Adjusted Net Income for 1Q26 was $39.9M, a $1.0M, or 3% increase in Net Income versus 1Q25 Adjusted Diluted Earnings Per Class A Common Share increased 3% to $2.04 *Refer to Appendix for Non-GAAP reconciliations. *Adjusted Net Income ($M) *Adjusted Net Income by Segment ($M) $38.9 $39.9 +3% 1Q25 1Q26 1Q25 1Q26 1Q25 1Q26 $15.7 $1.7 $11.2 $2.9 $7.4 $18.6 $2.5 $9.7 $2.1 $7.0 Trad Bank CORE Warehouse TRS RPS RCS Core Bank +21% RPG -12%

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 3.70% 6.28% 3.96% 5.46% Core Bank Total Company $85.0 $90.5 Adjusted Net Interest Income increased $5.5M, or 7% versus 1Q25 Core Bank Net Interest Margin improved 26 basis points, or 7% *Refer to Appendix for Non-GAAP reconciliations. 32 Total Company Highlights 1Q26 Total Company *Adjusted Net Interest Income ($M) 1Q25 1Q26 +7% Net Interest Margin (NIM) 1Q25 1Q26

CORE A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 33 Total Company Highlights 1Q26 Noninterest Income ($M) $24.4 $24.2 $8.8 $5.8 Infrequent Items $33.2 $30.0 1Q25 1Q26 $51.5 $53.0 $6.7 $2.3 $58.2 Infrequent Items $55.3 1Q25 1Q26 Non-Interest Income, excluding infrequent and nonrecurring items of $8.8M for 1Q25 and $5.8M for 1Q26, decreased slightly -0.8% versus 1Q25. Non-Interest Expense, excluding infrequent and nonrecurring items of $6.7M for 1Q25 and $2.3M for 1Q26, increased a moderate 2.9% versus 1Q25 Non-Interest Expense ($M)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 34 Logan Pichel President & CEO Republic Bank & Trust Company STRATEGIC PRIORITIES Logan Pichel, President & CEO Republic Bank & Trust Company 2026 Q1 RESULTS (Quarter ended March 31, 2026) Logan Pichel, President & CEO Republic Bank & Trust Company 2025 FINANCIAL HIGHLIGHTS Steve Trager, Executive Chair & CEO Republic Bancorp BUSINESS OVERVIEW Steve Trager, Executive Chair & CEO Republic Bancorp

P a g e 2026STRATEGIC priorities CREATE A BEST-IN-CLASS CLIENT/ASSOCIATE EXPERIENCE INNOVATE FOR THE FUTURE INCREASE PRUDENT + PROFITABLE REVENUE-GENERATING ACTIVITIES CONTINUALLY IMPROVE OPERATIONAL EFFICIENCY CONTINUED INVESTMENT IN ASSOCIATE DEVELOPMENT

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 36 OUR MISSION W H Y W E E X I S T : clients NPS scores = 73 (Exceeds 2x Industry Average) associates Engagement favorability=81% Kentucky’s Best Place to Work (10 consecutive years) communities Top 10 most philanthropic company in Louisville (only bank in top 10) company 3/31/2026 2YR Shareholder Total Return=45.9% (#2 of internal peer banks)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 37 company AVERAGE 29.8% 15.4% MEDIAN 27.9% 14.2% FINANCIAL INSTITUTION 2 YR Total Return 1 YR Total Return TICKER 2 YR Total Return Rank 1 YR Total Return Rank RBCCA 2 45.9% 8 13.5% CTBI Community Trust Bancorp Inc 1 53.4% 2 25.0% SYBT Stock Yards Bancorp Inc 4 40.8% 12 -2.3% SRCE 1 st Source Corp 5 38.7% 4 18.7% PRK Park National Corp 6 28.0% 9 11.7% GABC German American Bancorp Inc 7 27.9% 6 14.8% SBCF Seacoast Banking Corp of Florida 8 25.8% 3 20.7% PEBO Peoples Bancorp Inc 9 23.6% 5 17.1% CHCO City Holding Co 10 21.1% 10 4.6% MVBF MVB Financial Corp 11 18.4% 1 47.4% LKFN Lakeland Financial Corp 12 -7.9% 11 -0.2% FBK FB Financial Corp 3 42.2% 7 13.7% As of March 31, 2026

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 38 Dividends 1st quarter 2026 dividend of $0.495 per Class A common share represents an annualized dividend of $1.98, a 10% increase over 2025 $0.09 $0.12 $0.14 $0.16 $0.20 $0.21 $0.24 $0.29 $0.35 $0.41 $0.46 $0.51 $0.55 $0.59 $0.64 $1.10 $0.68 $0.73 $0.77 $0.81 $0.86 $0.95 $1.03 $1.12 $1.23 $1.36 $1.50 $1.63 $1.80 $1.98 $- $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $1.80 $2.00 1999 2000 2001 2002 2003 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 *Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared. Regular Dividend Special Dividend 38 *Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared. *

P a g e Thank you! | Questions?

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 40 Appendix

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 41 Appendix - Internal Peer Banks Annual Net Charge-offs Company Ticker 2023 2024 2025 Lakeland Financial Corp LKFN 0.13% 0.05% 0.55% Community Trust Bancorp CTBI 0.08% 0.13% 0.16% 1st Source Corporation SRCE -0.04% 0.09% 0.06% Park National Corporation PRK 0.07% 0.14% 0.08% FB Financial Corporation FBK 0.01% 0.14% 0.06% Stock Yards Bancorp Inc. SYBT 0.12% 0.02% 0.01% MVB Financial Corp MVBF 0.40% 0.20% 0.26% German American Bancorp GABC 0.08% 0.05% 0.05% Peoples Bank PEBO 0.15% 0.37% 0.45% City Holding Company CHCO 0.01% 0.06% 0.02% Seacoast Banking Corporation of Florida SBCF 0.22% 0.27% 0.12% Average Net Charge-offs to Average Total Loans 0.11% 0.14% 0.17%

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 42 Appendix – Non-GAAP Disclosures Three Months Ended March 31, (in millions) 2025 2026 Noninterest income - GAAP (a) $ 33.2 $ 30.0 Less: Gain on sale of Visa Class B-1 shares (b) $ 4.1 $ - Less: Insurance recovery (b) $ 1.6 $ - Less: Gain on sale of RBF (b) $ - $ 5.8 Less: RT Fees related to Nonrenewal of a Large Tax Provider Contract (b) $ 3.1 $ - Total adjusted Total Company Noninterest Income - Non-GAAP (a-b) $ 24.4 $ 24.2 Three Months Ended March 31, (in millions) 2025 2026 Noninterest expense - GAAP (a) $ 58.20 $ 55.30 Less: Core-related conversion expenses (b) $ 5.70 $ - Less: FHLB prepayment expense (b) $ - $ 2.30 Less: Noninterest expense related to nonrenewal of a large tax provider contract (b) $ 1.00 $ - Total adjusted Total Company Noninterest Income - Non-GAAP (a-b) $ 51.50 $ 53.00 Total Company NonInterest Income Total Company NonInterest Expense

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 43 Appendix – Non-GAAP Disclosures Total Company Net Income and Diluted EPS (Class A) Segment Net Income Total Company Net Income Total Company Diluted Earnings Per Class A Common Share Three Months Ended Mar. 31, $ % Three Months Ended Mar. 31, $ % (dollars in thousands, except per share data) 2026 2025 Change Change 2026 2025 Change Change Net Income, As Reported (GAAP) $ 42,569 $ 47,268 $ (4,699) (10)% $ 2.18 $ 2.42 $ (0.24) (10)% Gain on Sale of Republic Bank Finance, net of tax (4,435) - (4,435) - (0.24) - (0.24) - Early Termination Penalty - FHLB Advances, net of tax 1,757 - 1,757 - 0.10 - 0.10 - Nonrenewal of a Large Tax Provider Contract, net of tax - (8,438) 8,438 - - (0.44) 0.44 - Gain on sale of Visa Class B-1 Common Shares, net of tax - (3,287) 3,287 - - (0.17) 0.17 - Insurance Recovery, net of tax - (1,263) 1,263 - - (0.06) 0.06 - Core Deconversion and Consulting Fees, net of tax - 4,593 (4,593) - - 0.24 (0.24) - Adjusted Net Income (Non-GAAP) $ 39,891 $ 38,873 $ 1,018 3 % $ 2.04 $ 1.99 $ 0.05 3 % Core Bank Net Income Republic Processing Group Net Income Three Months Ended Mar. 31, $ % Three Months Ended Mar. 31, $ % (dollars in thousands, except per share data) 2026 2025 Change Change 2026 2025 Change Change Net Income, As Reported (GAAP) $ 23,759 $ 17,361 $ 6,398 37 % $ 18,810 $ 29,907 $ (11,097) (37)% Gain on Sale of Republic Bank Finance, net of tax (4,435) - (4,435) - - - - - Early Termination Penalty - FHLB Advances, net of tax 1,757 - 1,757 - - - - - Nonrenewal of a Large Tax Provider Contract, net of tax - - - - - (8,438) 8,438 - Gain on sale of Visa Class B-1 Common Shares, net of tax - (3,287) 3,287 - - - - - Insurance Recovery, net of tax - (1,263) 1,263 - - - - - Core Deconversion and Consulting Fees, net of tax - 4,593 (4,593) - - - - - Adjusted Net Income (Non-GAAP) $ 21,081 $ 17,404 $ 3,677 21 % $ 18,810 $ 21,469 $ (2,659) (12)%

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 44 Appendix – Non-GAAP Disclosures Three Months Ended March 31, (in millions) 2025 2026 Net income - GAAP (a) $ 15.7 $ 21.3 Less: Gain on sale of Visa Class B-1 shares (b) $ 3.3 $ - Less: Insurance recovery (b) $ 1.3 $ - Less: Gain on sale of RBF (b) $ - $ 4.4 Add: Early Termination Penalty - FHLB Advances (b) $ - $ 1.7 Add: Core Deconversion and Consulting fees (b) $ 4.6 $ - Total adjusted Net Income - Non-GAAP (a-b) $ 15.7 $ 18.6 Three Months Ended March 31, (in millions) 2025 2026 Net Income - GAAP (a) $ 19.60 $ 9.70 Less: Nonrenewal of a Large Tax Provider Contract (b) $ 8.40 $ - Total adjusted Net Income - Non-GAAP (a-b) $ 11.20 $ 9.70 Segment Net Income – Traditional Bank Segment Net Income – TRS Note: Warehouse, RPS, and RCS did not have any non-GAAP adjustments for the periods presented.

COMPANY A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 45 Appendix – Non-GAAP Disclosures Three Months Ended March 31, (in millions) 2025 2026 Net Interest Income - GAAP (a) $ 102.7 $ 90.5 Less: Nonrenewal of a Large Tax Provider Contract (b) $ 17.7 $ - Total adjusted Net Income - Non-GAAP (a-b) $ 85.0 $ 90.5 Net Interest Income – Total Company

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