Republic Bancorp Q3 2026 profit rises 4% to $31.1M

Q: What were RBCAA’s third-quarter 2026 earnings?

Republic Bancorp reported third-quarter 2026 net income of $31.1 million and diluted EPS of $1.59 per Class A common share. Those figures increased 4% and 5%, respectively, from $29.7 million and $1.52 in third quarter 2025.

Q: What was RBCAA’s Core Banking net interest margin?

Core Banking net interest margin was 4.03% in third quarter 2026, up 25 basis points from 3.78% in third quarter 2025.

Core Banking net interest income rose 8%, and a recently launched program generated approximately $180 million of lower-cost average deposits.

Filing Impact

(High)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

How Sentiment works How the balance works

Form Type

8-K

Rhea-AI Filing Summary

Republic Bancorp, Inc. (RBCAA) reported third-quarter 2026 net income of $31.1 million and diluted earnings per Class A common share of $1.59, increases of 4% and 5%, respectively, from third quarter 2025. For the nine months ended September 30, 2026, net income was $106.5 million, down 2% from $108.5 million. Total-company net interest income was $85.7 million, compared with $77.0 million a year earlier. Core Banking net interest income rose 8% to $66.1 million, and its net interest margin expanded 25 basis points to 4.03%.

Core Banking net income increased 15% to $22.8 million. Republic Payment Solutions, launched late in the second quarter, generated approximately $180 million of lower-cost average deposits during the third quarter and contributed incremental fee income. The company’s provision for expected credit losses was $10.514 million for third quarter 2026, versus $2.023 million for third quarter 2025. Nonperforming loans were 0.62% of total loans as of September 30, 2026, compared with 0.41% as of September 30, 2025. Republic reported total assets of $7.08 billion as of September 30, 2026. Based on its current interest-rate risk position, the company believes the higher-rate environment will provide incremental growth to Core Bank net interest income over the near term.

2 points · 0 major

How this balance works

Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance works How Sentiment works

0 major · 2 points

How the balance works

Positive

Moderate pointCore Banking net interest income rose 8% to $66.1 million.
Moderate pointCore Banking net income rose 15% to $22.8 million.

Negative

Moderate pointThird-quarter 2026 provision: $10.514 million versus $2.023 million in 2025.
Moderate pointNonperforming loans to total loans: 0.62%, up from 0.41% year over year.

Filing Explained

For the quarter ended September 30, 2026, the financial supplement reports declared cash dividends of $0.495 per Class A share and $0.450 per Class B share, adding per-share holder distribution amounts to the earnings figures.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Figures

Net income: $31.1 million Diluted EPS, Class A: $1.59 per share Total-company net interest income: $85.7 million +5 more

8 metrics

Net income $31.1 million Third quarter 2026; up 4% from third quarter 2025

Diluted EPS, Class A $1.59 per share Third quarter 2026; up 5% from third quarter 2025

Total-company net interest income $85.7 million Third quarter 2026, compared with $77.0 million in third quarter 2025

Core Banking net interest income $66.1 million Third quarter 2026; up 8% from third quarter 2025

Core Banking net interest margin 4.03% Third quarter 2026; up 25 basis points from third quarter 2025

Provision for expected credit losses $10.514 million Third quarter 2026, compared with $2.023 million in third quarter 2025

Nonperforming loans to total loans 0.62% As of September 30, 2026, compared with 0.41% as of September 30, 2025

Republic Payment Solutions average deposits Approximately $180 million Lower-cost average deposits generated during third quarter 2026

Key Terms

Net interest margin, Provision for expected credit losses, Nonperforming loans, Loan-to-deposit ratio

4 terms

Net interest margin financial

"net interest margin expanded 25 basis points to 4.03%"

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.

Provision for expected credit losses financial

"provision for expected credit losses was $10.514 million"

An estimate a lender or investor sets aside to cover loans or receivables that are likely to go unpaid in the future, and it is recorded as a reduction to income and assets on financial statements. Think of it like a rainy-day savings pot for expected customer non‑payments: larger provisions signal higher anticipated credit losses and can warn investors about deteriorating asset quality, lower future profits, or the need for more capital.

Nonperforming loans financial

"Nonperforming loans to total loans"

Nonperforming loans are loans on which borrowers have stopped making the scheduled interest or principal payments for an extended period (commonly 90 days or more) or are otherwise in serious danger of default. Think of them as IOUs that aren’t being repaid: they tie up a lender’s money, reduce future interest income, and force the lender to hold extra reserves or take losses. For investors, a rising share of nonperforming loans signals weakening credit quality, higher potential losses, and greater risk to a bank’s profitability and capital.

Loan-to-deposit ratio financial

"favorably lowering our loan-to-deposit ratio"

Loan-to-deposit ratio measures how much a bank has lent out compared with the money customers have deposited, expressed as a percentage. Think of it like the share of a household’s savings that has been loaned to others: a higher ratio can boost earnings but reduce cash on hand and increase risk, while a lower ratio means more liquidity but potentially lower returns—key for investors assessing a bank’s balance of profit and safety.

Earnings Snapshot

Net income: $31.1 million · Guidance included

Third quarter 2026

Net income $31.1 million Increased 4% from $29.7 million in third quarter 2025

Diluted EPS, Class A $1.59 per share Increased 5% from $1.52 in third quarter 2025

Total-company net interest income $85.672 million Compared with $76.970 million in third quarter 2025

Core Banking net interest income $66.1 million Increased 8% from $61.2 million in third quarter 2025

Core Banking net interest margin 4.03% Expanded 25 basis points from 3.78% in third quarter 2025

Provision for expected credit losses $10.514 million Compared with $2.023 million in third quarter 2025

Guidance

Based on the Company’s current interest rate risk position, it believes the higher-rate environment will provide incremental growth to Core Bank net interest income over the near-term.

FAQ

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

What were RBCAA’s third-quarter 2026 earnings?

Republic Bancorp reported third-quarter 2026 net income of $31.1 million and diluted EPS of $1.59 per Class A common share. Those figures increased 4% and 5%, respectively, from $29.7 million and $1.52 in third quarter 2025.

What was RBCAA’s Core Banking net interest margin?

Core Banking net interest margin was 4.03% in third quarter 2026, up 25 basis points from 3.78% in third quarter 2025.

What rate change did the Federal Reserve make during RBCAA’s third quarter?

On September 16, 2026, the Federal Reserve increased the Federal Funds Target Rate by 25 basis points to a range of 3.75%-4.00%. The release described this as the first rate increase since July 2023.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Understanding 8-K Material Events →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google

Available on EDGAR 10/23/2026 - 08:00 AM EDT Accepted by SEC EDGAR 10/23/2026 - 08:00 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): October 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 2.02. Results of Operations and Financial Condition.

On October 23, 2026, Republic Bancorp, Inc. announced its results of operations for the quarter and nine months ended September 30, 2026. The public announcement was made by means of an earnings release, the text of which is set forth in Exhibit 99.1 hereto. A financial supplement to this earnings release is attached as Exhibit 99.2 hereto.

Item 9.01.Financial Statements and Exhibits.


(d)	Exhibits.

	Exhibit No.
	99.1	Republic Bancorp, Inc. Earnings Release dated October 23, 2026.
	99.2	Earnings Release Financial Supplement – Third Quarter 2026.
	104	Cover Page Interactive Data File (embedded within the inline XBRL document)

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

Exhibit 99.1

Republic Bancorp Reports Solid Third Quarter Results

Highlighted by Continued Strong Core Banking Net Interest Income Expansion

LOUISVILLE, Ky.--(BUSINESS WIRE)—October 23, 2026--Republic Bancorp, Inc. (NASDAQ: RBCAA), headquartered in Louisville, Kentucky, is the holding company of Republic Bank & Trust Company (the “Bank”).

Republic Bancorp, Inc. (“Republic” or the “Company”) reported third quarter 2026 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $31.1 million and $1.59, representing increases of 4% and 5% from the $29.7 million and $1.52 reported for the third quarter of 2025. As a result, the Company achieved a return on average assets (“ROA”) and a return on average equity (“ROE”) of 1.74% and 10.48% for the third quarter of 2026.

Logan Pichel, President and Chief Executive Officer of the Bank, commented, “Republic delivered another quarter of solid financial performance, reflecting the strength, consistency and earnings power of our Core Banking⁽¹⁾ franchise. Our Core Bank’s outstanding financial performance was driven by strong loan growth across our core markets and lending categories, combined with net interest income expansion, disciplined expense management, and solid credit quality. Our relationship-driven business model, exceptional client engagement, and consistent execution continue to differentiate Republic and position us for sustained success. As we enter the final quarter of the year, we remain well-positioned to capitalize on growth opportunities, deepen client relationships, and build on this momentum as we work toward another year of exceptional financial performance.

Despite operating in a lower-rate environment for most of the past year, our Core Banking segment increased its third quarter 2026 net interest income by $4.8 million, or 8%, over the third quarter of 2025, while expanding its net interest margin 25 basis points to 4.03%. These results reflected lower funding costs, a favorable shift in earning assets, disciplined pricing actions, and proactive balance sheet management.

On September 16, 2026, the Federal Reserve increased the Federal Funds Target Rate by 25 basis points to a range of 3.75%-4.00%, marking its first rate increase since July 2023 and the first monetary policy change since December 2025. This return to a tightening cycle reinforces the importance of strong balance sheet management and effective pricing execution. Based on the Company’s current interest rate risk position, we believe the higher-rate environment will provide incremental growth to our Core Bank’s net interest income over the near-term.

During the third quarter, we began realizing the benefits of a new Republic Payment Solutions (“RPS”)⁽¹⁾ program launched late in the second quarter, following several years of strategic planning and successful cross-functional execution. The program generated approximately $180 million of lower-cost average deposits during the quarter, enhancing liquidity, diversifying our funding base, favorably lowering our loan-to-deposit ratio, and contributing incremental fee income.

In addition to our strong financial performance, Republic was recognized during the third quarter as one of Bank Director’s Top 25 publicly traded banks for the second consecutive year, based on profitability, capital adequacy, and credit quality. The ranking evaluated approximately 300 publicly traded U.S. banks with assets exceeding $2 billion using year end 2025 financial data. This recognition reflects the dedication of our associates, the loyalty of our clients, and our longstanding commitment to disciplined execution and sound risk management.”

Pichel concluded, “Our third-quarter results reflect the strength of Republic’s franchise, the resilience of our business model, and the disciplined execution of our long-term strategy. Strong organic loan growth, expanding net interest income, and the successful launch of our new RPS program demonstrate our ability to generate high-quality earnings and create value across market cycles. These achievements would not be possible without the dedication, talent, and commitment of our exceptional associates, whose efforts continue to drive our success and distinguish Republic in the markets we serve. As we approach 2027, we are well-positioned to capitalize on growth opportunities, navigate an evolving economic environment, and deliver sustainable long-term value for our shareholders, clients, and communities.”

The following table highlights key metrics for the three and nine months ended September 30, 2026 and 2025. Additional financial information, including segment-level results, is provided in the financial supplement accompanying this release. The digital version of this release includes the supplement as an appendix, and it is also available as Exhibit 99.2 to the Company’s Form 8-K filed with the SEC on October 23, 2026.



	Total Company Financial Performance Highlights											Total Company Financial Performance Highlights
		Three Months Ended Sep. 30,						$		%			Nine Months Ended Sep. 30,						$		%
(dollars in thousands, except per share data)		2026			2025			Change		Change			2026			2025			Change		Change

Income Before Income Tax Expense		$	39,633		$	37,762		$	1,871	5	%		$	137,568		$	138,114		$	(546)	—	%
Net Income			31,071			29,744			1,327	4				106,506			108,496			(1,990)	(2)
Diluted EPS			1.59			1.52			0.07	5				5.44			5.55			(0.11)	(2)
Return on Average Assets ("ROA")			1.74	%		1.69	%		NA	3				2.01	%		2.03	%		NA	(1)
Return on Average Equity ("ROE")			10.48			10.91			NA	(4)				12.34			13.77			NA	(10)

Results of Operations for the Third Quarter of 2026 Compared to the Third Quarter of 2025

Core Banking⁽¹⁾Segment

Net income – Core Banking net income totaled $22.8 million for the third quarter of 2026, an increase of $3.0 million, or 15%, from the $19.8 million recorded in the third quarter of 2025. The increase reflects strong net interest income growth, expanding noninterest income streams, and continued expense discipline.

Net Interest Income – Core Banking net interest income increased $4.8 million, or 8%, to $66.1 million for the third quarter of 2026 from $61.2 million for the third quarter of 2025, driven by notable Core Banking net interest margin expansion. Overall, the Core Bank’s net interest margin expanded 25 basis points to 4.03%, benefiting from a 35 basis point reduction in funding costs, combined with favorable earning asset mix trends and disciplined pricing execution.

Significant factors impacting Core Banking net interest income and net interest margin between the third quarter of 2026 and the third quarter of 2025 were as follows:

Interest-Earning Assets

●

Core Banking average interest-earning cash declined to $302 million, with a weighted-average yield of 3.69% for the third quarter of 2026 compared to $477 million with a yield of 4.40% during the third quarter of 2025. The decline in average balances reflected the strategic deployment of excess liquidity into higher-yielding loan growth and investment securities, which offered more attractive risk-adjusted returns than overnight liquid alternatives.

●

Core Banking average investments increased to $919 million, with a weighted-average yield of 4.11% for the third quarter of 2026 compared to $806 million with a yield of 4.07% during the third quarter of 2025. The higher average balances were driven by the strategic deployment of excess liquidity into higher-yielding securities. This repositioning supported net interest income growth while maintaining our strong liquidity position.

●

Traditional Banking average loans increased $125 million, or 3%, from $4.57 billion for the third quarter of 2025 to $4.70 billion for the third quarter of 2026. Concurrently, the weighted-average yield of the portfolio increased to 5.77% for the third quarter of 2026, an increase of 6 basis points from the 5.71% yield realized during the third quarter of 2025. Growth in average loan balances was driven primarily by strong demand across commercial lending categories. In addition, the continued reinvestment of cash flows from lower-yielding loan runoff into higher-yielding new loan originations, coupled with a favorable shift toward higher-spread lending categories, contributed to the increase in the portfolio’s weighted-average yield.

Period-over-period comparisons were negatively impacted by the sale of approximately $82 million of loans and lease financing receivables during the first quarter of 2026. These loans were transferred from held-for-investment to held-for-sale in December 2025 and contributed an estimated 5 basis points to portfolio yield during the third quarter of 2025.

●

Average outstanding Warehouse⁽¹⁾ lines of credit increased $10 million, or 2%, to $585 million during the third quarter of 2026 from $575 million during the third quarter of 2025. During the same periods, the weighted-average yield of the portfolio declined 69 basis points to 6.33%, primarily reflecting the lower short-term interest rate environment that existed during the third quarter of 2026 as compared to the third quarter of 2025.

Average committed Warehouse lines increased to $1.19 billion for the third quarter of 2026 compared to $1.06 billion for the third quarter of 2025, demonstrating continued success in expanding customer relationships and available lending capacity. Average utilization moderated to 49% from 54%, as commitment growth outpaced the increase in outstanding balances. Despite the lower utilization rate, outstanding balances remained strong and continued to provide meaningful contributions to net interest income.

Funding Liabilities (Deposits and Borrowings)

The decline in interest expense and cost of interest-bearing liabilities was primarily attributable to the following factors:

●

Core Banking interest-bearing deposits carried a weighted-average cost of 1.99% during the third quarter of 2026, a decrease of 33 basis points from 2.32% during the third quarter of 2025. In addition, average interest-bearing deposit balances increased a net $127 million, or 3%, during the same periods driven primarily by a combined $167 million increase in money market and time deposit balances, which were partially offset by a $59 million decline in brokered and reciprocal deposits. Notwithstanding the shift toward certain higher-cost funding categories, generally lower market rates and disciplined deposit pricing initiatives drove a meaningful reduction in the overall cost of deposits from the third quarter of 2025 to the third quarter of 2026.

●

Average Federal Home Loan Bank (“FHLB”) advances declined $235 million, or 63%, from the third quarter of 2025 to the third quarter of 2026, while the weighted-average cost decreased 49 basis points to 3.84%. The decline in average balances reflected the March 2026 prepayment of $220 million of higher-cost FHLB advances that carried a weighted-average rate of 4.57%. As a result, the Core Banking segment benefited from a notably lower borrowing cost structure during the second and third quarters of 2026, supporting net interest income growth and contributing to net interest margin expansion.

The following tables present, by reportable segment, the key drivers of Core Banking performance, including net interest income, net interest margin, and average and period-end loan balances for the periods presented.



	Net Interest Income						Net Interest Margin
(dollars in thousands)	Three Months Ended Sep. 30,						Three Months Ended Sep. 30,
Reportable Segment	2026		2025		$ Change		2026		2025		% Change

Traditional Banking	$	62,346	$	57,424	$	4,922	4.18	%	3.89	%	0.29	%
Warehouse Lending		3,711		3,805		(94)	2.51		2.62		(0.11)
Total Core Bank	$	66,057	$	61,229	$	4,828	4.03		3.78		0.25



	Average Loan Balances								Period-End Loan Balances
(dollars in thousands)	Three Months Ended Sep. 30,									Sep. 30,		Sep. 30,
Reportable Segment		2026		2025	$ Change		% Change			2026		2025	$ Change		% Change

Traditional Banking	$	4,695,106	$	4,569,970	$	125,136	3	%	$	4,693,952	$	4,558,306	$	135,646	3	%
Warehouse Lending		585,494		575,273		10,221	2			537,585		609,826		(72,241)	(12)
Total Core Bank	$	5,280,600	$	5,145,243	$	135,357	3		$	5,231,537	$	5,168,132	$	63,405	1

Provision for Expected Credit Losses⁽²⁾ – Core Banking provision expense was a net charge of $2.0 million for the third quarter of 2026 compared to a net credit of $479,000 for the third quarter of 2025.

The net charge of $2.0 million for the third quarter of 2026 was driven by the following:

●

The Traditional Banking segmentrecorded a net charge to the provision of $2.2 million during the third quarter of 2026, primarily reflecting the impact of a $38 million increase in period-end loan balances and a shift in portfolio composition toward categories with higher formula-related reserve requirements. Construction and Land Development loans were the primary driver of quarterly growth, increasing $43 million, and represented the largest contributor to the increase in formula-driven, required reserves.

●

Warehouse Lending recorded a net credit to the provision of $192,000 for the third quarter of 2026 resulting from general formula reserves applied to a $77 million, or 13%, decrease in outstanding Warehouse period-end balances.

The net credit of $479,000 for the third quarter of 2025 was driven by the following:

●

The Traditional Banking segment recorded a net credit to the provision of $325,000 during the third quarter of 2025 related primarily to the impact of minimal net charge-offs and a $24 million reduction in net loan balances.

●

Warehouse Lending recorded a net credit to the provision of $154,000 for the third quarter of 2025 resulting from general formula reserves applied to a $62 million, or 9%, decrease in outstanding Warehouse period-end balances.

As a percentage of total loans, the Core Banking Allowance⁽²⁾ increased 12 basis points from September 30, 2025, to September 30, 2026. The table below provides a view of the Company’s percentage of Allowance-to-total-loans by reportable segment.



	As of Sep. 30, 2026						As of Sep. 30, 2025						Year-over-Year Change
(dollars in thousands)					Allowance						Allowance		Allowance
Reportable Segment	Gross Loans		Allowance		to Loans		Gross Loans		Allowance		to Loans		to Loans		% Change

Traditional Banking	$	4,693,952	$	65,430	1.39	%	$	4,558,306	$	58,479	1.28	%	0.11	%	9	%
Warehouse Lending		537,585		1,341	0.25			609,826		1,522	0.25		—		—
Total Core Bank		5,231,537		66,771	1.28			5,168,132		60,001	1.16		0.12		10

Tax Refund Solutions		309		1	0.32			292		1	0.34		(0.02)		(6)
Republic Payment Solutions		6,445		—	—			—		—	—		—		—
Republic Credit Solutions		147,858		26,321	17.80			112,950		19,863	17.59		0.21		1
Total Republic Processing Group		154,612		26,322	17.02			113,242		19,864	17.54		(0.52)		(3)

Total Company	$	5,386,149	$	93,093	1.73	%	$	5,281,374	$	79,865	1.51	%	0.22	%	15	%


	Allowance for Credit Losses on Loans Roll-Forward
	Three Months Ended September 30,
	2026										2025
(in thousands)	Beginning				Charge-				Ending		Beginning				Charge-				Ending
Reportable Segment	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance

Traditional Banking	$	63,806	$	2,188	$	(725)	$	161	$	65,430	$	59,055	$	(325)	$	(332)	$	81	$	58,479
Warehouse Lending		1,533		(192)		—		—		1,341		1,676		(154)		—		—		1,522
Total Core Bank		65,339		1,996		(725)		161		66,771		60,731		(479)		(332)		81		60,001

Tax Refund Solutions		1		(550)		—		550		1		—		(1,467)		—		1,468		1
Republic Credit Solutions		22,427		9,068		(5,570)		396		26,321		21,029		3,969		(5,504)		369		19,863
Total Republic Processing Group		22,428		8,518		(5,570)		946		26,322		21,029		2,502		(5,504)		1,837		19,864

Total Company	$	87,767	$	10,514	$	(6,295)	$	1,107	$	93,093	$	81,760	$	2,023	$	(5,836)	$	1,918	$	79,865

The table below presents Core Banking credit quality metrics:



	Quarters Ended:				Years Ended:
	Sep. 30,		Sep. 30,		Dec. 31,		Dec. 31,		Dec. 31,
Core Banking Credit Quality Ratios	2026		2025		2025		2024		2023

Nonperforming loans to total loans	0.63	%	0.42	%	0.45	%	0.44	%	0.39	%

Nonperforming assets to total loans (including OREO)	0.65		0.44		0.47		0.46		0.41

Delinquent loans* to total loans	0.27		0.21		0.26		0.20		0.16

Net charge-offs to average loans	0.04		0.02		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 Banking noninterest income increased $384,000, or 4%, from the third quarter of 2025 to $10.9 million for the third quarter of 2026. Notable fluctuations from the third quarter of 2025 to the third quarter of 2026 included the following:

●

Service charges on deposits increased $935,000, or 26%, driven primarily by higher activity-based fee volumes, particularly international margin and insufficient funds fees.

●

Mortgage banking income decreased $842,000, or 41%, primarily due to lower mortgage origination activity resulting from a significant increase in long-term interest rates during the quarter.

Noninterest Expense – Core Banking noninterest expenses were $45.9 million for the third quarter of 2026, a decrease of $1.2 million, or 3%, from the third quarter of 2025. The decline reflects the Company’s continued focus on expense discipline and operational efficiency while supporting ongoing business growth and strategic initiatives. The most notable fluctuations from the third quarter of 2025 to the third quarter of 2026 were within technology and interchange-related expenses, which decreased a combined $639,000, or 7%. The reduction was driven primarily by the Company’s new core operating system contract implemented in October 2025, which lowered ongoing technology and processing costs while enhancing operational capabilities.

Republic Processing Group⁽¹⁾

RPG reported net income of $8.3 million for the third quarter of 2026, compared with net income of $9.9 million for the third quarter of 2025. The most notable items impacting the RPG operating segment were as follows:

Republic Credit Solutions⁽¹⁾

RCS reported net income of $6.2 million for the third quarter of 2026, a decrease of $1.1 million, or 15%, from the $7.2 million recorded for the third quarter of 2025. Growth in RCS net interest income and program fees was more than offset by higher non-interest expenses and higher provisions driven by growth in outstanding period-end balances within the segment’s line of credit (“LOC”) portfolios.

Net interest income and program fees benefited from strong origination growth across both RCS LOC products. However, provision expense increased specifically due to growth in the segment’s LOC II product, which carries substantially higher provisioning requirements than the segment’s other lending products.

Noninterest expense also increased during the quarter, driven primarily by higher marketing costs, which generally fluctuate in-line with overall origination volume. In summary, the combined impact of higher provision and operating expenses more than offset the benefit of revenue growth, resulting in lower net income for the quarter.

Republic Bancorp, Inc. (the “Company”) is the parent company of Republic Bank & Trust Company (the “Bank”). The Bank operates 47 banking centers across five metropolitan statistical areas (“MSAs”) in five states. These include 22 banking centers in the Louisville MSA, serving Louisville, Prospect, Shelbyville, and Shepherdsville, Kentucky, and Floyds Knobs, Jeffersonville, and New Albany, Indiana; six banking centers in the Lexington MSA, serving Georgetown and Lexington, Kentucky; eight banking centers in the Cincinnati MSA, serving Kenwood, Norwood, and West Chester, Ohio, and Bellevue, Covington, Crestview Hills, and Florence, Kentucky; seven banking centers in the Tampa MSA, serving Largo, New Port Richey, Seminole, St. Petersburg, Tampa, and Temple Terrace, Florida; and four banking centers in the Nashville MSA, serving Cool Springs, Murfreesboro, Nashville, and Spring Hill, Tennessee. The Bank also offers online banking at www.republicbank.com. The Company is headquartered in Louisville, Kentucky and, as of September 30, 2026, had approximately $7.08 billion in total assets. The Company’s Class A Common Stock is listed on the NASDAQ Global Select Market under the symbol “RBCAA.”

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 higher interest rates, the yield curve, and 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 future events, they are subject to inherent uncertainties, risks, and changes in circumstances that are difficult to predict. Actual results may differ materially from those expressed or implied by these forward-looking statements. Accordingly, readers are cautioned not to place undue reliance on such statements. Forward-looking statements are neither historical facts nor guarantees of future performance.

Factors that could cause actual results to differ materially from those described in forward-looking statements are discussed in the Company's filings with the U.S. Securities and Exchange Commission, including the Risk Factors section of the Company's Annual Report on Form 10-K for the year ended December 31, 2025. The Company undertakes no obligation to update any forward-looking statement, except as required by applicable law.

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 Traditional Banking and Warehouse Lending to collectively constitute “Core Bank” or “Core Banking” operations, while TRS, RPS, and RCS collectively constitute Republic Processing Group (“RPG”) operations.

(2)

Provision or Provision for expected credit loss expense includes provisions for on-balance-sheet loans, with changes reflected in the Allowance, or Allowance for credit losses. 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, which is included in other liabilities on the Company’s balance sheet.

NM – Not meaningful

NA – Not applicable

CONTACT:

Republic Bancorp, Inc.

Kevin Sipes

Executive Vice President & Chief Financial Officer

(502) 560-8628

Exhibit 99.2

EARNINGS RELEASE FINANCIAL SUPPLEMENT

THIRD QUARTER 2026

TABLE OF CONTENTS


		BALANCE SHEET DATA	S-2

		AVERAGE BALANCE SHEET DATA	S-3

		TOTAL COMPANY AVERAGE BALANCE SHEETS AND INTEREST RATES	S-4

		INCOME STATEMENT DATA	S-5

		SELECTED DATA AND RATIOS	S-6

		LOAN COMPOSITION	S-7

		ALLOWANCE FOR CREDIT LOSSES ON LOANS	S-7

		CREDIT QUALITY DATA AND RATIOS	S-8

		SEGMENT DATA	S-9

		FOOTNOTES	S-12

S-1

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)



Balance Sheet Data
	As of
	Sep. 30, 2026		Jun. 30, 2026		Mar. 31, 2026		Dec. 31, 2025		Sep. 30, 2025
Assets:
Cash and cash equivalents	$	399,342	$	354,091	$	599,105	$	219,972	$	484,238
Investment securities		885,051		892,116		886,641		890,582		849,226
Loans held for sale (1)		68,634		57,997		41,782		117,350		40,206
Loans		5,386,149		5,410,406		5,366,973		5,446,329		5,281,374
Allowance for credit losses		(93,093)		(87,767)		(91,840)		(85,352)		(79,865)
Loans, net		5,293,056		5,322,639		5,275,133		5,360,977		5,201,509
Federal Home Loan Bank ("FHLB") stock, at cost		17,508		18,149		27,014		32,114		25,849
Premises and equipment, net		40,885		42,253		40,843		35,986		37,884
Right-of-use assets		27,497		29,042		30,443		31,330		32,804
Goodwill		40,516		40,516		40,516		40,516		40,516
Other real estate owned ("OREO")		1,072		843		896		1,277		1,246
Bank owned life insurance ("BOLI")		113,179		112,216		111,272		110,721		109,773
Other assets and accrued interest receivable		195,045		191,967		199,634		201,236		191,668
Total assets	$	7,081,785	$	7,061,829	$	7,253,279	$	7,042,061	$	7,014,919

Liabilities and Stockholders' Equity:
Deposits:
Noninterest-bearing	$	1,246,317	$	1,248,704	$	1,275,427	$	1,173,461	$	1,239,023
Interest-bearing		4,343,924		4,303,038		4,233,693		4,029,686		4,099,322
Total deposits		5,590,241		5,551,742		5,509,120		5,203,147		5,338,345

Securities sold under agreements to
repurchase ("SSUAR") and other short-term borrowings		69,673		68,615		81,337		88,504		74,522
Operating lease liabilities		28,518		30,077		31,492		32,370		33,833
Federal Home Loan Bank advances		127,000		157,000		366,500		506,000		375,000
Other liabilities and accrued interest payable		102,488		97,598		131,443		109,747		108,699
Total liabilities		5,917,920		5,905,032		6,119,892		5,939,768		5,930,399

Stockholders' equity		1,163,865		1,156,797		1,133,387		1,102,293		1,084,520
Total liabilities and stockholders' equity	$	7,081,785	$	7,061,829	$	7,253,279	$	7,042,061	$	7,014,919

S-2

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)


Average Balance Sheet Data
	Three Months Ended										Nine Months Ended
	Sep. 30, 2026		Jun. 30, 2026		Mar. 31, 2026		Dec. 31, 2025		Sep. 30, 2025		Sep. 30, 2026		Sep. 30, 2025
Assets:

Interest-earning assets:
Federal funds sold and other interest-earning deposits	$	302,058	$	256,961	$	344,353	$	407,022	$	476,681	$	300,969	$	538,644
Investment securities, including FHLB stock		919,470		912,466		906,692		901,006		806,304		912,923		704,701
Loans, including loans held for sale		5,467,594		5,396,640		5,464,500		5,365,734		5,281,369		5,442,931		5,365,207
Total interest-earning assets		6,689,122		6,566,067		6,715,545		6,673,762		6,564,354		6,656,823		6,608,552

Allowance for credit losses		(89,797)		(92,164)		(89,017)		(79,832)		(81,196)		(90,329)		(96,320)

Noninterest-earning assets:
Noninterest-earning cash and cash equivalents		80,227		100,038		132,446		70,289		82,616		104,046		198,110
Premises and equipment, net		41,835		41,741		37,907		38,868		37,557		40,509		34,458
Bank owned life insurance		112,638		111,718		111,300		110,385		109,381		111,890		108,472
Other assets		265,440		273,948		286,831		273,906		279,166		275,326		275,358

Total assets	$	7,099,465	$	7,001,348	$	7,195,012	$	7,087,378	$	6,991,878	$	7,098,265	$	7,128,630

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:
Interest-bearing deposits	$	4,361,287	$	4,192,067	$	4,157,622	$	4,084,332	$	4,078,925	$	4,237,737	$	4,067,511
SSUARs and other short-term borrowings		72,168		82,507		89,307		133,851		73,135		81,264		89,755
Federal Home Loan Bank advances		137,543		158,654		426,794		377,793		372,283		239,938		420,476
Total interest-bearing liabilities		4,570,998		4,433,228		4,673,723		4,595,976		4,524,343		4,558,939		4,577,742

Noninterest-bearing liabilities and Stockholders’ Equity:
Noninterest-bearing deposits		1,235,277		1,289,710		1,257,977		1,261,600		1,254,609		1,260,913		1,355,572
Other liabilities		116,729		123,813		133,479		125,515		131,269		124,612		141,767
Stockholders' equity		1,176,461		1,154,597		1,129,833		1,104,287		1,081,657		1,153,801		1,053,549

Total liabilities and stockholders’ equity	$	7,099,465	$	7,001,348	$	7,195,012	$	7,087,378	$	6,991,878	$	7,098,265	$	7,128,630

S-3

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)

Total Company Average Balance Sheet and Interest Rates


		Three Months Ended September 30, 2026								Three Months Ended September 30, 2025
		Average						Average		Average						Average
(in thousands)		Balance			Interest			Rate		Balance			Interest			Rate

ASSETS

Interest-earning assets:
Federal funds sold and other interest-earning deposits		$	302,058		$	2,808		3.69	%	$	476,681		$	5,292		4.40	%
Investment securities, including FHLB stock (a)			919,470			9,524		4.11			806,304			8,272		4.07

RCS LOC products (b)			56,201			16,121		113.80			45,764			12,123		105.10
Other RPG loans (c)			130,793			1,587		4.81			90,362			1,591		6.99
Outstanding Warehouse lines of credit			585,494			9,340		6.33			575,273			10,180		7.02
Traditional Banking loans (c)			4,695,106			68,311		5.77			4,569,970			65,781		5.71
Total loans (d)			5,467,594			95,359		6.92			5,281,369			89,675		6.74

Total interest-earning assets			6,689,122			107,691		6.39			6,564,354			103,239		6.24

Allowance for credit losses			(89,797)								(81,196)

Noninterest-earning assets:
Noninterest-earning cash and cash equivalents			80,227								82,616
Premises and equipment, net			41,835								37,557
Bank owned life insurance			112,638								109,381
Other assets (a)			265,440								279,166
Total assets		$	7,099,465							$	6,991,878

LIABILITIES AND STOCKHOLDERS’ EQUITY

Interest-bearing liabilities:
Transaction accounts		$	1,846,012		$	3,088		0.66	%	$	1,667,600		$	2,600		0.62	%
Money market accounts			1,598,487			9,749		2.42			1,490,557			10,969		2.92
Time deposits			518,084			4,603		3.52			463,657			4,363		3.73
Reciprocal money market and time deposits			297,578			1,996		2.66			334,939			2,763		3.27
Brokered deposits			101,126			1,172		4.60			122,172			1,399		4.54

Total interest-bearing deposits			4,361,287			20,608		1.87			4,078,925			22,094		2.15

SSUARs and other short-term borrowings			72,168			81		0.45			73,135			116		0.63
Federal Home Loan Bank advances			137,543			1,330		3.84			372,283			4,059		4.33

Total interest-bearing liabilities			4,570,998			22,019		1.91			4,524,343			26,269		2.30

Noninterest-bearing liabilities and Stockholders’ equity:
Noninterest-bearing deposits			1,235,277								1,254,609
Other liabilities			116,729								131,269
Stockholders’ equity			1,176,461								1,081,657
Total liabilities and stockholders’ equity		$	7,099,465							$	6,991,878

Net interest income					$	85,672							$	76,970

Net interest spread								4.48	%							3.94	%

Net interest margin								5.08	%							4.65	%

(a)	For the purpose of this calculation, the fair value adjustment on debt securities is included as a component of other assets.

(b)	Interest income is composed either entirely or predominantly of loan fees.

(c)	Average balances include the principal balance of nonaccrual loans and loans held for sale that are not carried at fair value and are inclusive of all loan premiums, discounts, fees and costs.

(d)	See Footnote 2 of the Earnings Release Financial Supplement for detail of total loan fees by reporting segment.

S-4

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)



Income Statement Data
	Three Months Ended										Nine Months Ended
	Sep. 30, 2026		Jun. 30, 2026		Mar. 31, 2026		Dec. 31, 2025		Sep. 30, 2025		Sep. 30, 2026		Sep. 30, 2025

Total interest income (2)	$	107,691	$	102,531	$	113,787	$	103,233	$	103,239	$	324,009	$	335,280
Total interest expense		22,019		20,829		23,335		24,423		26,269		66,183		79,420
Net interest income		85,672		81,702		90,452		78,810		76,970		257,826		255,860

Provision		10,514		5,157		9,780		10,079		2,023		25,451		21,518

Noninterest income:
Service charges on deposit accounts		4,585		4,068		3,883		3,825		3,646		12,536		10,611
Net refund transfer fees		1,403		3,208		9,525		108		1,117		14,136		17,577
Mortgage banking income (1)		1,222		1,799		1,825		1,620		2,064		4,846		5,781
Interchange fee income		3,506		3,623		2,873		2,884		3,030		10,002		9,307
Program fees (1)		5,913		5,058		4,549		4,444		4,888		15,520		13,161
Increase in cash surrender value of BOLI		964		943		930		947		1,035		2,837		2,649
Net losses on OREO		(52)		(41)		(50)		(53)		(52)		(143)		(158)
Gain on sale of Republic Bank Finance loans/leases (1)		—		—		5,845		—		—		5,845		—
Gain on sale of Visa Class B-1 shares		—		—		—		—		—		—		4,090
Other (1)		721		911		579		1,684		840		2,211		4,348
Total noninterest income		18,262		19,569		29,959		15,459		16,568		67,790		67,366

Noninterest expense:
Salaries and employee benefits		31,220		30,943		32,117		34,163		31,027		94,280		92,897
Technology, equipment, and communication		8,658		8,686		7,946		8,581		8,710		25,290		26,037
Occupancy		3,596		3,460		3,648		3,673		3,547		10,704		10,502
Marketing and development		3,227		3,097		1,778		2,422		2,668		8,102		5,298
FDIC insurance expense		762		720		832		751		763		2,314		2,313
Interchange related expense		1,415		1,405		1,401		1,609		1,640		4,221		4,764
Legal and professional fees		800		836		450		825		1,100		2,086		2,884
Core conversion and related contract consulting fees		—		—		—		220		97		—		5,993
FHLB advances early termination penalties		—		—		2,316		—		—		2,316		—
Other		4,109		4,417		4,758		4,351		4,201		13,284		12,906
Total noninterest expense		53,787		53,564		55,246		56,595		53,753		162,597		163,594

Income before income tax expense		39,633		42,550		55,385		27,595		37,762		137,568		138,114
Income tax expense		8,562		9,684		12,816		4,774		8,018		31,062		29,618

Net income	$	31,071	$	32,866	$	42,569	$	22,821	$	29,744	$	106,506	$	108,496

S-5

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)



Selected Data and Ratios
	As of and for the Three Months Ended															As of and for the Nine Months Ended
	Sep. 30, 2026			Jun. 30, 2026			Mar. 31, 2026			Dec. 31, 2025			Sep. 30, 2025			Sep. 30, 2026			Sep. 30, 2025
Per Share Data:

Basic weighted average shares outstanding		19,843			19,833			19,795			19,744			19,733			19,827			19,734
Diluted weighted average shares outstanding		19,888			19,864			19,830			19,799			19,791			19,865			19,803

Period-end shares outstanding:
Class A Common Stock		17,485			17,498			17,467			17,393			17,387			17,485			17,387
Class B Common Stock		2,137			2,137			2,148			2,148			2,149			2,137			2,149

Book value per share (3)	$	59.31		$	58.92		$	57.78		$	56.41		$	55.51		$	59.31		$	55.51
Tangible book value per share (3)		56.83			56.44			55.30			53.91			53.01			56.83			53.01

Earnings per share ("EPS"):
Basic EPS - Class A Common Stock	$	1.59		$	1.69		$	2.18		$	1.17		$	1.53		$	5.45		$	5.57
Basic EPS - Class B Common Stock		1.44			1.53			1.98			1.07			1.39			4.95			5.07
Diluted EPS - Class A Common Stock		1.59			1.68			2.18			1.17			1.52			5.44			5.55
Diluted EPS - Class B Common Stock		1.44			1.53			1.98			1.06			1.39			4.94			5.05

Cash dividends declared per Common share:
Class A Common Stock	$	0.495		$	0.495		$	0.495		$	0.451		$	0.451		$	1.485		$	1.353
Class B Common Stock		0.450			0.450			0.450			0.410			0.410			1.350			1.230

Performance Ratios:

Return on average assets		1.74	%		1.88	%		2.40	%		1.28	%		1.69	%		2.01	%		2.03	%
Return on average equity		10.48			11.42			15.28			8.20			10.91			12.34			13.77
Efficiency ratio (4)		51.8			52.9			45.9			60.0			57.5			49.9			50.6
Yield on average interest-earning assets (2)		6.39			6.26			6.87			6.14			6.24			6.51			6.78
Cost of average interest-bearing liabilities		1.91			1.88			2.02			2.11			2.30			1.94			2.32
Cost of average deposits (5)		1.46			1.40			1.41			1.50			1.64			1.42			1.61
Net interest spread (2)		4.48			4.38			4.85			4.03			3.94			4.57			4.46
Net interest margin - Total Company (2)		5.08			4.99			5.46			4.69			4.65			5.18			5.18
Net interest margin - Core Bank (2)		4.03			4.02			3.96			3.87			3.78			4.00			3.73

Other Information:

End of period FTEs (6) - Total Company		958			958			966			973			978			958			978
End of period FTEs (6) - Core Bank		898			897			907			911			918			898			918
Number of full-service banking centers		47			47			47			47			47			47			47

S-6

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)


Loan Composition and Allowance for Credit Losses on Loans
		As of
		Sep. 30, 2026			Jun. 30, 2026			Mar. 31, 2026			Dec. 31, 2025			Sep. 30, 2025
Loan Composition:

Traditional Banking:
Residential real estate:
Owner-occupied		$	1,048,995		$	1,042,149		$	1,028,473		$	1,040,080		$	1,044,737
Nonowner-occupied			275,690			275,983			280,777			283,246			291,373
Commercial real estate
Owner-occupied			713,901			704,806			684,405			666,948			643,519
Nonowner-occupied			832,094			819,996			819,363			799,420			801,644
Multi-Family			347,108			377,392			328,154			331,370			321,453
Construction & land development			258,116			215,341			245,423			238,455			246,065
Commercial & industrial			542,480			547,145			541,646			528,873			488,786
Lease financing receivables			21,259			21,572			20,710			20,523			96,605
Aircraft			199,248			202,729			202,388			203,120			202,742
Home equity			436,148			429,812			425,662			413,638			399,691
Consumer:
Credit cards			11,860			11,422			11,659			10,711			10,787
Overdrafts			876			825			802			971			881
Automobile loans			815			645			678			738			813
Other consumer			5,362			5,692			6,151			8,204			9,210
Total Traditional Banking			4,693,952			4,655,509			4,596,291			4,546,297			4,558,306
Warehouse lines of credit			537,585			614,696			629,848			754,090			609,826
Total Core Banking			5,231,537			5,270,205			5,226,139			5,300,387			5,168,132

Republic Processing Group:
Tax Refund Solutions:
Refund Advances			—			—			8,458			12,924			—
Other TRS commercial & industrial loans			309			156			701			19,473			292
Republic Payment Solutions			6,445			—			—			—			—
Republic Credit Solutions			147,858			140,045			131,675			113,545			112,950
Total Republic Processing Group			154,612			140,201			140,834			145,942			113,242

Total Loans - Total Company		$	5,386,149		$	5,410,406		$	5,366,973		$	5,446,329		$	5,281,374

Allowance for Credit Losses on Loans:

Traditional Banking		$	65,430		$	63,806		$	64,041		$	63,662		$	58,479
Warehouse Lending			1,341			1,533			1,571			1,882			1,522
Total Core Banking			66,771			65,339			65,612			65,544			60,001

Tax Refund Solutions			1			1			6,344			333			1
Republic Credit Solutions			26,321			22,427			19,884			19,475			19,863
Total Republic Processing Group			26,322			22,428			26,228			19,808			19,864

Total Allowance - Total Company		$	93,093		$	87,767		$	91,840		$	85,352		$	79,865

Allowance to Total Loans:

Traditional Banking			1.39	%		1.37	%		1.39	%		1.40	%		1.28
Warehouse Lending			0.25			0.25			0.25			0.25			0.25
Total Core Banking			1.28			1.24			1.26			1.24			1.16

Tax Refund Solutions			0.32			0.64			69.27			1.03			0.34
Republic Credit Solutions			17.80			16.01			15.10			17.15			17.59
Total Republic Processing Group			17.02			16.00			18.62			13.57			17.54

Total Company			1.73			1.62			1.71			1.57			1.51

S-7

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

(Dollars in thousands, except per-share amounts, number of employees, and number of banking centers.)



Credit Quality Data and Ratios
	As of and for the Three Months Ended															As of and for the Nine Months Ended
	Sep. 30, 2026			Jun. 30, 2026			Mar. 31, 2026			Dec. 31, 2025			Sep. 30, 2025			Sep. 30, 2026			Sep. 30, 2025

Nonperforming Assets - Total Company:
Loans on nonaccrual status	$	33,010		$	30,645		$	31,784		$	23,806		$	21,572		$	33,010		$	21,572
Loans past due 90-days-or-more and still on accrual		145			83			68			161			137			145			137
Total nonperforming loans		33,155			30,728			31,852			23,967			21,709			33,155			21,709
OREO		1,072			843			896			1,277			1,246			1,072			1,246
Total nonperforming assets	$	34,227		$	31,571		$	32,748		$	25,244		$	22,955		$	34,227		$	22,955

Nonperforming Assets - Core Bank:
Loans on nonaccrual status	$	33,010		$	30,645		$	31,784		$	23,806		$	21,572		$	33,010		$	21,572
Loans past due 90-days-or-more and still on accrual		—			4			—			—			—			—			—
Total nonperforming loans		33,010			30,649			31,784			23,806			21,572			33,010			21,572
OREO		1,072			843			896			1,277			1,246			1,072			1,246
Total nonperforming assets	$	34,082		$	31,492		$	32,680		$	25,083		$	22,818		$	34,082		$	22,818

Delinquent Loans:
Core Bank	$	14,235		$	18,436		$	33,052		$	13,925		$	10,691		$	14,235		$	10,691
RPG		11,594			10,054			9,690			8,938			8,691			11,594			8,691
Total delinquent loans - Total Company	$	25,829		$	28,490		$	42,742		$	22,863		$	19,382		$	25,829		$	19,382

NCOs (Recoveries) by Segment:
Traditional Banking	$	564		$	92		$	326		$	879		$	251		$	982		$	700
Warehouse Lending		—			—			—			—			—			—			—
Core Bank		564			92			326			879			251			982			700
Tax Refund Solutions		(550)			5,297			(669)			(894)			(1,468)			4,078			19,888
Republic Credit Solutions		5,174			3,841			3,635			4,607			5,135			12,650			13,043
RPG		4,624			9,138			2,966			3,713			3,667			16,728			32,931
Total NCOs (recoveries) - Total Company	$	5,188		$	9,230		$	3,292		$	4,592		$	3,918		$	17,710		$	33,631

Credit Quality Ratios - Total Company:

Nonperforming loans to total loans		0.62	%		0.57	%		0.59	%		0.44	%		0.41	%		0.62	%		0.41	%
Nonperforming assets to total loans (including OREO)		0.64			0.58			0.61			0.46			0.43			0.64			0.43
Nonperforming assets to total assets		0.48			0.45			0.45			0.36			0.33			0.48			0.33
Allowance for credit losses to total loans		1.73			1.62			1.71			1.57			1.51			1.73			1.51
Allowance for credit losses to nonperforming loans		281			286			288			356			368			281			368
Delinquent loans to total loans (7)		0.48			0.53			0.80			0.42			0.37			0.48			0.37
Annualized NCOs (recoveries) to average loans		0.38			0.69			0.24			0.34			0.29			0.44			0.84

Credit Quality Ratios - Core Bank:

Nonperforming loans to total loans		0.63	%		0.58	%		0.61	%		0.45	%		0.42	%		0.63	%		0.42	%
Nonperforming assets to total loans (including OREO)		0.65			0.60			0.63			0.47			0.44			0.65			0.44
Nonperforming assets to total assets		0.53			0.49			0.49			0.38			0.35			0.53			0.35
Allowance for credit losses to total loans		1.28			1.24			1.26			1.24			1.16			1.28			1.16
Allowance for credit losses to nonperforming loans		202			213			206			275			278			202			278
Delinquent loans to total loans (7)		0.27			0.35			0.63			0.26			0.21			0.27			0.21
Annualized NCOs (recoveries) to average loans		0.04			0.01			0.03			0.07			0.02			0.03			0.02

TRS Refund Advances ("RAs and ERAs")

RAs and ERAs originated	$	—		$	—		$	246,396		$	12,924		$	—		$	246,396		$	662,556
Net (credit) charge to the Provision for RAs and ERAs		(547)			(1,056)			5,318			(598)			(1,454)			3,715			9,947
RAs and ERAs NCOs (recoveries)		(547)			5,227			(669)			(894)			(1,454)			4,011			19,740

S-8

Republic Bancorp, Inc.

Earnings Release

Financial Supplement

Third Quarter 2026 (continued)

Segment Data:

Reportable segments are determined based on the products and services offered and the level of information provided to the chief operating decision maker (“CODM”). The CODM uses this information to review the performance of various components of the business, including banking centers and business units, which are aggregated when their operating performance, products and services, and clients are similar. The Company’s Executive Chair and Chief Executive Officer serves as the Company’s CODM. Income before income tax expense is the measure of segment profit or loss regularly reviewed by the CODM and used to allocate resources and evaluate performance.

As of September 30, 2026, the Company was divided into five reportable segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. 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 operations.

The nature of each segment’s operations and the primary drivers of net revenues by reportable segment are described below:


Reportable Segment:	Nature of Operations:	Primary Drivers of Net Revenue:

Core Banking:

Traditional Banking	Provides traditional banking products to clients in its market footprint via its banking center network and to clients outside of its market footprint primarily via its digital delivery channels.	Net interest income

Warehouse Lending	Provides short-term, revolving credit facilities to mortgage bankers across the U.S.	Net interest income

Republic Processing Group:

Tax Refund Solutions	Offers tax-related credit products and facilitates the receipt and payment of federal and state tax refunds through Refund Transfer products. TRS products are primarily provided to clients outside of the Bank’s market footprint.	Net interest income and Net refund transfer fees

Republic Payment Solutions	Offers general-purpose reloadable cards. RPS products are primarily provided to clients outside of the Bank’s market footprint.	Net interest income and Program fees

Republic Credit Solutions	Offers consumer credit products. RCS products are primarily provided to clients outside of the Bank’s market footprint, with a substantial portion of RCS clients considered subprime or near-prime borrowers.	Net interest income and Program fees

The accounting policies used for Republic’s reportable segments are consistent with those described in the summary of significant accounting policies. Segment performance is evaluated based on operating income before income taxes. Goodwill is allocated to the Traditional Banking segment. Income taxes are generally allocated based on income before income tax expense unless specific segment allocations can be reasonably determined.

Transactions among reportable segments are recorded at carrying value. Net interest income is reflected within each applicable business segment based on the underlying financial instruments assigned to that segment and the impact of the Company’s internal funds transfer pricing process applied to each instrument. Funds transfer pricing is allocated from the Traditional Banking segment to each segment based on the assumed terms of the underlying financial instruments within that segment and applicable market interest rates corresponding to those assumed terms.

S-9

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)

Segment information for the three and nine months ended September 30, 2026, and 2025 follows:


	Three Months Ended September 30, 2026
	Core Banking									Republic Processing Group
								Total			Tax			Republic			Republic
		Traditional			Warehouse			Core			Refund			Payment			Credit			Total		Total
(dollars in thousands)		Banking			Lending			Banking			Solutions			Solutions			Solutions			RPG		Company

Net interest income	$	62,346		$	3,711		$	66,057		$	(256)		$	3,326		$	16,545		$	19,615		$	85,672

Provision for expected credit loss expense		2,188			(192)			1,996			(550)			—			9,068			8,518			10,514

Net refund transfer fees		—			—			—			1,403			—			—			1,403			1,403
Mortgage banking income		1,222			—			1,222			—			—			—			—			1,222
Program fees		—			—			—			—			866			5,047			5,913			5,913
Other noninterest income		9,659			26			9,685			34			4			1			39			9,724
Total noninterest income		10,881			26			10,907			1,437			870			5,048			7,355			18,262

Total noninterest expense		44,968			945			45,913			2,019			1,229			4,626			7,874			53,787

Income before income tax expense		26,071			2,984			29,055			(288)			2,967			7,899			10,578			39,633
Income tax expense		5,549			716			6,265			(79)			648			1,728			2,297			8,562

Net income	$	20,522		$	2,268		$	22,790		$	(209)		$	2,319		$	6,171		$	8,281		$	31,071

Period-end assets	$	5,848,728		$	538,079		$	6,386,807		$	17,497		$	495,552		$	181,929		$	694,978		$	7,081,785

Net interest margin		4.18	%		2.51	%		4.03	%		NM			NM			NM			NM			5.08	%

Net-revenue concentration*		70	%		4	%		74	%		1	%		4	%		21	%		26	%		100	%


	Three Months Ended September 30, 2025
	Core Banking									Republic Processing Group
								Total			Tax			Republic			Republic
		Traditional			Warehouse			Core			Refund			Payment			Credit			Total			Total
(dollars in thousands)		Banking			Lending			Banking			Solutions			Solutions			Solutions			RPG			Company

Net interest income	$	57,424		$	3,805		$	61,229		$	280		$	3,193		$	12,268		$	15,741		$	76,970

Provision for expected credit loss expense		(325)			(154)			(479)			(1,467)			—			3,969			2,502			2,023

Net refund transfer fees		—			—			—			1,117			—			—			1,117			1,117
Mortgage banking income		2,064			—			2,064			—			—			—			—			2,064
Program fees		—			—			—			—			781			4,107			4,888			4,888
Other noninterest income		8,438			21			8,459			38			1			1			40			8,499
Total noninterest income		10,502			21			10,523			1,155			782			4,108			6,045			16,568

Total noninterest expense		46,194			945			47,139			2,348			1,105			3,161			6,614			53,753

Income before income tax expense		22,057			3,035			25,092			554			2,870			9,246			12,670			37,762
Income tax expense		4,591			684			5,275			95			624			2,024			2,743			8,018

Net income	$	17,466		$	2,351		$	19,817		$	459		$	2,246		$	7,222		$	9,927		$	29,744

Period-end assets	$	5,952,561		$	610,155		$	6,562,716		$	22,673		$	310,220		$	119,310		$	452,203		$	7,014,919

Net interest margin		3.89	%		2.62	%		3.78	%		NM			NM			NM			NM			4.65	%

Net-revenue concentration*		72	%		4	%		76	%		2	%		4	%		18	%		24	%		100	%

* Net revenue represents net interest income plus total noninterest income. Net-revenue concentration equals segment-level net revenue divided by total Company net revenue.

S-10

Republic Bancorp, Inc.

Earnings Release Financial Supplement

Third Quarter 2026 (continued)


	Nine Months Ended September 30, 2026
	Core Banking									Republic Processing Group
								Total			Tax			Republic			Republic
		Traditional			Warehouse			Core			Refund			Payment			Credit			Total			Total
(dollars in thousands)		Banking			Lending			Banking			Solutions			Solutions			Solutions			RPG			Company

Net interest income	$	182,048		$	11,355		$	193,403		$	11,201		$	9,369		$	43,853		$	64,423		$	257,826

Provision for expected credit loss expense		2,750			(541)			2,209			3,746			—			19,496			23,242			25,451

Net refund transfer fees		—			—			—			14,136			—			—			14,136			14,136
Mortgage banking income		4,846			—			4,846			—			—			—			—			4,846
Program fees		—			—			—			—			2,385			13,135			15,520			15,520
Gain on sale of Republic Bank Finance loans/leases		5,845			—			5,845			—			—			—			—			5,845
Other noninterest income		27,207			73			27,280			154			7			2			163			27,443
Total noninterest income		37,898			73			37,971			14,290			2,392			13,137			29,819			67,790

Total noninterest expense		136,234			2,868			139,102			7,384			3,701			12,410			23,495			162,597

Income before income tax expense		80,962			9,101			90,063			14,361			8,060			25,084			47,505			137,568
Income tax expense		18,518			2,184			20,702			3,114			1,759			5,487			10,360			31,062

Net income	$	62,444		$	6,917		$	69,361		$	11,247		$	6,301		$	19,597		$	37,145		$	106,506

Period-end assets	$	5,848,728		$	538,079		$	6,386,807		$	17,497		$	495,552		$	181,929		$	694,978		$	7,081,785

Net interest margin		4.15	%		2.56	%		4.00	%		NM			NM			NM			NM			5.18	%

Net-revenue concentration*		68	%		3	%		71	%		8	%		4	%		17	%		29	%		100	%


	Nine Months Ended September 30, 2025
	Core Banking									Republic Processing Group
								Total			Tax			Republic			Republic
		Traditional			Warehouse			Core			Refund			Payment			Credit			Total			Total
(dollars in thousands)		Banking			Lending			Banking			Solutions			Solutions			Solutions			RPG			Company

Net interest income	$	167,125		$	10,382		$	177,507		$	30,154		$	10,750		$	37,449		$	78,353		$	255,860

Provision for expected credit loss expense		(577)			148			(429)			10,028			—			11,919			21,947			21,518

Net refund transfer fees		—			—			—			17,577			—			—			17,577			17,577
Mortgage banking income		5,781			—			5,781			—			—			—			—			5,781
Program fees		—			—			—			—			2,283			10,878			13,161			13,161
Gain on sale of Visa Class B-1 shares		4,090			—			4,090			—			—			—			—			4,090
Other noninterest income		26,441			64			26,505			248			2			2			252			26,757
Total noninterest income		36,312			64			36,376			17,825			2,285			10,880			30,990			67,366

Total noninterest expense		140,733			2,768			143,501			8,075			3,344			8,674			20,093			163,594

Income before income tax expense		63,281			7,530			70,811			29,876			9,691			27,736			67,303			138,114
Income tax expense		13,247			1,697			14,944			6,494			2,109			6,071			14,674			29,618

Net income	$	50,034		$	5,833		$	55,867		$	23,382		$	7,582		$	21,665		$	52,629		$	108,496

Period-end assets	$	5,952,561		$	610,155		$	6,562,716		$	22,673		$	310,220		$	119,310		$	452,203		$	7,014,919

Net interest margin		3.84	%		2.60	%		3.73	%		NM			NM			NM			NM			5.18	%

Net-revenue concentration*		63	%		3	%		66	%		15	%		4	%		15	%		34	%		100	%

* Net revenue represents net interest income plus total noninterest income. Net-revenue concentration equals segment-level net revenue divided by total Company net revenue.

S-11

Earnings Release Financial Supplement

Footnotes:

(1)

In the ordinary course of business, the Bank originates both mortgage and consumer loans with the intent to sell. Mortgage loans held for sale are primarily originated and sold into the secondary market through the Traditional Banking segment, while consumer loans held for sale are originated and sold through the Republic Credit Solutions segment. Gains on the sale of mortgage loans are recorded as a component of “Mortgage Banking” income. Gains on the sale of Republic Credit Solutions consumer loans are recorded as a component of “Program Fees.”

During the second quarter of 2025, the Traditional Banking segment entered into an agreement to sell its consumer credit card portfolio. As a result, these loans were transferred from held for investment to loans held for sale, and the related gain was recorded as a component of other noninterest income during the second quarter of 2025.

During the fourth quarter of 2025, the Traditional Banking segment entered into an agreement to sell approximately $82 million of Republic Bank Finance loans and lease financing receivables. As a result, these loans and lease financing receivables were transferred from held for investment to loans held for sale, and the related gain was recorded as a component of noninterest income during the first quarter of 2026.



	As of and for the Three Months Ended											As of and for the Nine Months Ended
(dollars in thousands)	Sep. 30, 2026			Jun. 30, 2026		Mar. 31, 2026		Dec. 31, 2025		Sep. 30, 2025		Sep. 30, 2026		Sep. 30, 2025

Mortgage Loans Held for Sale

Balance, beginning of period	$	16,566		$	12,953	$	7,516	$	15,338	$	8,850	$	7,516	$	8,312
Originations		52,046			67,334		47,990		58,417		59,494		167,370		152,515
Proceeds from sales		(59,898)			(65,182)		(44,042)		(67,560)		(54,716)		(169,122)		(150,093)
Net gain on sale		870			1,461		1,489		1,321		1,710		3,820		4,604
Balance, end of period	$	9,584		$	16,566	$	12,953	$	7,516	$	15,338	$	9,584	$	15,338

Consumer Loans Held for Sale

Balance, beginning of period	$	41,431		$	28,829	$	27,995	$	24,868	$	27,952	$	27,995	$	24,075
Originations		428,879			379,542		291,165		277,273		271,718		1,099,586		859,496
Transferred from held for investment to held for sale		—			—		—		—		—		—		4,977
Proceeds from sales		(416,308)			(371,254)		(294,104)		(277,926)		(278,908)		(1,081,666)		(874,886)
Net gain on sale		5,048			4,314		3,773		3,780		4,106		13,135		11,206
Balance, end of period	$	59,050		$	41,431	$	28,829	$	27,995	$	24,868	$	59,050	$	24,868

Other Loans Held for Sale

Balance, beginning of period	$	—		$	—	$	81,839	$	—	$	—	$	81,839	$	—
Transferred from held for investment to held for sale		—			—		—		81,839		—		—		—
Proceeds from sales		—			—		(87,684)		—		—		(87,684)		—
Net gain on sale		—			—		5,845		—		—		5,845		—
Balance, end of period	$	—		$	—	$	—	$	81,839	$	—	$	—	$	—

(2)	Loan fee income can meaningfully impact total interest income, loan yields, net interest income, net interest margin, and net interest spread. The following table presents total loan fees by reportable segment:



	Three Months Ended										Nine Months Ended
(in thousands)	Sep. 30, 2026		Jun. 30, 2026		Mar. 31, 2026		Dec. 31, 2025		Sep. 30, 2025		Sep. 30, 2026		Sep. 30, 2025

Traditional Banking	$	1,907	$	1,264	$	1,304	$	2,003	$	1,393	$	4,475	$	4,051
Warehouse Lending		360		361		396		362		364		1,117		1,043
Total Core Bank		2,267		1,625		1,700		2,365		1,757		5,592		5,094
Tax Refund Solutions		(393)		77		13,528		288		17		13,212		33,717
Republic Credit Solutions		16,121		14,036		12,441		11,411		12,123		42,598		36,794
Total Republic Processing Group		15,728		14,113		25,969		11,699		12,140		55,810		70,511

Total Loan Fees	$	17,995	$	15,738	$	27,669	$	14,064	$	13,897	$	61,402	$	75,605

S-12

(3)

The following table reconciles total stockholders’ equity in accordance with GAAP to tangible stockholders’ equity, a non-GAAP measure. The Company provides tangible book value per share, a non-GAAP measure, in addition to measures defined by banking regulators, because it is widely used by investors to evaluate capital adequacy.


	As of
(dollars in thousands, except per share data)	Sep. 30, 2026			Jun. 30, 2026			Mar. 31, 2026			Dec. 31, 2025			Sep. 30, 2025

Total stockholders' equity - GAAP (a)	$	1,163,865		$	1,156,797		$	1,133,387		$	1,102,293		$	1,084,520
Less: Goodwill		40,516			40,516			40,516			40,516			40,516
Less: Mortgage servicing rights		6,915			6,783			6,693			6,811			6,798
Less: Core deposit intangible		1,253			1,343			1,432			1,535			1,637
Tangible stockholders' equity - Non-GAAP (c)	$	1,115,181		$	1,108,155		$	1,084,746		$	1,053,431		$	1,035,569

Total assets - GAAP (b)	$	7,081,785		$	7,061,829		$	7,253,279		$	7,042,061		$	7,014,919
Less: Goodwill		40,516			40,516			40,516			40,516			40,516
Less: Mortgage servicing rights		6,915			6,783			6,693			6,811			6,798
Less: Core deposit intangible		1,253			1,343			1,432			1,535			1,637
Tangible assets - Non-GAAP (d)	$	7,033,101		$	7,013,187		$	7,204,638		$	6,993,199		$	6,965,968

Total stockholders' equity to total assets - GAAP (a/b)		16.43	%		16.38	%		15.63	%		15.65	%		15.46	%
Tangible stockholders' equity to tangible assets - Non-GAAP (c/d)		15.86	%		15.80	%		15.06	%		15.06	%		14.87	%

Number of shares outstanding (e)		19,622			19,635			19,615			19,541			19,536

Book value per share - GAAP (a/e)	$	59.31		$	58.92		$	57.78		$	56.41		$	55.51
Tangible book value per share - Non-GAAP (c/e)		56.83			56.44			55.30			53.91			53.01

(4)

The efficiency ratio equals total noninterest expense divided by total revenue, which is the sum of net interest income and noninterest income. The adjusted efficiency ratio, a non-GAAP measure, excludes notable infrequent or nonrecurring revenues and expenses related to the gain on sale of Republic Bank Finance, the nonrenewal of a large tax provider contract, the gain on the sale of Visa Class B-1 shares, the gain on sale of consumer credit cards, insurance proceeds received, the early termination penalty on Federal Home Loan Bank advances and core system deconversion and related consulting fees.



	Three Months Ended															Nine Months Ended
(dollars in thousands)	Sep. 30, 2026			Jun. 30, 2026			Mar. 31, 2026			Dec. 31, 2025			Sep. 30, 2025			Sep. 30, 2026			Sep. 30, 2025

Net interest income - GAAP (a)	$	85,672		$	81,702		$	90,452		$	78,810		$	76,970		$	257,826		$	255,860
Noninterest income - GAAP (b)		18,262			19,569			29,959			15,459			16,568			67,790			67,366
Total net revenue - GAAP (c)	$	103,934		$	101,271		$	120,411		$	94,269		$	93,538		$	325,616		$	323,226
Less: Gain on sale of Republic Bank Finance	$	—		$	—		$	5,845		$	—		$	—			5,845			—
Less: Nonrenewal of a large tax provider contract		—			—			—			(280)			580			—			13,584
Less: Gain on sale of Visa Class B-1 shares		—			—			—			—			—			—			4,090
Less: Gain on sale of consumer credit card portfolio		—			—			—			—			—			—			328
Less: Insurance recovery		—			—			—			—			—			—			1,571
Total adjusted revenue - Non-GAAP (e)	$	103,934		$	101,271		$	114,566		$	94,549		$	92,958		$	319,771		$	303,653


Noninterest expense - GAAP (d)	$	53,787		$	53,564		$	55,246		$	56,595		$	53,753		$	162,597		$	163,594
Less: Early termination penalty - FHLB advances		—			—			2,316			—			—			2,316			—
Less: Core system deconversion and consulting fees		—			—			—			220			97			—			5,993
Total adjusted noninterest expense - Non-GAAP (f)	$	53,787		$	53,564		$	52,930		$	56,375		$	53,656		$	160,281		$	157,601

Efficiency Ratio - GAAP (d/c)		51.8	%		52.9	%		45.9	%		60.0	%		57.5	%		49.9	%		50.6	%
Adjusted Efficiency Ratio - Non-GAAP (f/e)		51.8	%		52.9	%		46.2	%		59.6	%		57.7	%		50.1	%		51.9	%

S-13

(5)	The cost of average deposits ratio equals annualized total interest expense on deposits divided by the sum of total average interest-bearing deposits and total average noninterest-bearing deposits.

(6)	FTEs – Full-time-equivalent employees.

(7)	The delinquent loans to total loans ratio equals loans 30 days or more past due divided by total loans. Depending on the loan class, delinquency is determined based on either the number of days or the number of payments past due.

NM – Not meaningful

NA – Not applicable

QTD – Quarter-to-date

YTD – Year-to-date

CONTACT:

Republic Bancorp, Inc.

Kevin Sipes

Executive Vice President & Chief Financial Officer

(502) 560-8628

S-14

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

5 documents

Republic Bancorp Q3 2026 profit rises 4% to $31.1M

Rhea-AI Filing Summary

Positive

Negative

Filing Explained

8-K Event Classification

Key Figures

Key Terms

Earnings Snapshot

FAQ

What were RBCAA’s third-quarter 2026 earnings?

What was RBCAA’s Core Banking net interest margin?

What rate change did the Federal Reserve make during RBCAA’s third quarter?

Filing Exhibits & Attachments

Press Releases

Other Documents

Keep reading

More on RBCAA

Trending in the feed