Welcome to our dedicated page for REPUBLIC BANCORP /KY/ SEC filings (Ticker: RBCAA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Republic Bancorp, Inc. filings document the regulatory record of a Kentucky bank holding company and its Republic Bank & Trust Company subsidiary. Recent 8-K reports cover quarterly and annual operating results, financial supplements, Reg FD presentations, cash dividend announcements and the completed sale of substantially all assets of the Republic Bank Finance division.
Proxy materials and annual meeting reports describe board elections, auditor ratification, shareholder voting results, executive-compensation disclosures and governance matters. The filing record also ties Republic's results to Core Bank segments such as Traditional Banking and Warehouse Lending, Tax Refund Solutions activity, balance-sheet management, interest-rate risk, credit quality and capital actions.
Republic Bancorp, Inc. reported first quarter 2026 net income of $42.6 million, with diluted EPS of $2.18, down 10% from $47.3 million and $2.42 a year earlier. Adjusted net income excluding infrequent items rose 3% to $39.9 million, or $2.04 per diluted share.
The Core Bank segment generated net income of $23.8 million, up 37%, with adjusted net income up 21% to $21.1 million, driven by a 12% increase in Core Bank net interest income to $63.2 million and net interest margin expansion to 3.96%. Average Core Bank loans grew 4%, with credit quality remaining solid as the Core Bank allowance-to-total-loans ratio rose to 1.26% and annualized net charge-offs stayed low.
Republic Processing Group net income declined to $18.8 million from $29.9 million, largely reflecting the nonrenewal of a large Tax Refund Solutions contract. Company-wide, return on average assets was 2.40% and return on average equity was 15.28%. Total assets were $7.25 billion as of March 31, 2026.
Republic Bancorp EVP & Chief Financial Officer Kevin D. Sipes exercised employee stock options covering 5,376 shares of Class A Common Stock at an exercise price of $42.74 per share. To cover tax obligations, 4,130 of these shares were withheld at a value of $74.57 per share, leaving him with 76,593.281 shares held directly plus additional shares held through a 401(k) plan. He also continues to hold several remaining option grants that can be exercised in future years.
Republic Bancorp, Inc. director and bank President & CEO Logan Pichel reported a compensation-related share award. He acquired 81.775 shares of Class A Common Stock on March 31, 2026 as a grant or other award at an indicated value of $70.55 per share, bringing his directly held shares to 64,194.597. Footnotes note that this total includes 49.025 shares acquired under the employee stock purchase plan on the same date and adjustments from an equity plan administrator transfer. He also reports indirect ownership of 1,773.964 shares through a 401(k) plan and continues to hold employee stock options over 17,937, 12,978 and 16,903 underlying Class A shares with exercise prices between $49.25 and $71.36 and expiration dates from 2030 to 2032.
Starke Jeff reported acquisition or exercise transactions in this Form 4 filing.
Republic Bancorp EVP and CIO Jeff Starke reported a stock award and updated equity holdings. He received 65.422 shares of Class A Common Stock as a grant at $70.55 per share on March 31, 2026, bringing his direct holdings to 6,516.455 shares. His indirect holdings through a 401(k) plan total 922.044 shares.
Starke also reports outstanding employee stock options on Class A Common Stock, including options exercisable at $42.74, $49.25, $68.02 and $71.36 per share, covering 6,720, 5,605, 4,055 and 2,873 underlying shares, respectively, with expirations between December 31, 2026 and January 1, 2032.
Republic Bancorp, Inc. SVP Scott Nardi reported an equity award of Class A Common Stock. On March 31, 2026, he received 63.785 shares of Class A Common Stock as a grant at a reference price of $70.55 per share, bringing his direct holdings to 2,210.336 shares.
He also has outstanding employee stock options covering 1,352 shares of Class A Common Stock with an exercise price of $71.36 per share and an expiration date in 2032. The filing reflects routine compensation-related equity, not open‑market buying or selling.
Republic Bancorp (RBCAA) executive William R. Nelson received a stock award and holds multiple stock options. On March 31, 2026, he acquired 65.422 shares of Class A Common Stock as a grant at an indicated value of $70.55 per share, bringing his direct holdings to 34,133.065 shares. He also holds employee stock options for 4,484 shares at $49.25 per share expiring in 2030, 3,244 shares at $68.02 expiring in 2031, and 2,028 shares at $71.36 expiring in 2032, each option representing the right to buy Class A Common Stock.
Republic Bancorp executive Cheryl VanAllen, EVP & Chief People Officer, received a grant of 65.422 shares of Class A Common Stock at a reported price of $70.55 per share. After this award, she holds 2,222.998 Class A shares directly.
She also holds employee stock options covering 1,622 Class A shares at an exercise price of $68.02 per share, exercisable beginning in 2028, and options on 1,352 shares at $71.36 per share, exercisable beginning in 2029, both expiring in the early 2030s.
Republic Bancorp EVP and General Counsel Christy Ames received a grant of 65.422 shares of Class A Common Stock on March 31, 2026 at a reference price of $70.55 per share, bringing her direct holdings to 5,628.501 shares.
She also holds employee stock options over 2,688, 2,242, 1,622 and 1,352 underlying Class A shares with exercise prices between $42.74 and $71.36, expiring between 2026 and 2032.
Republic Bancorp Inc. executive Juan Montano received a stock grant of 65.422 shares of Class A Common Stock at $70.55 per share. This award increased his directly held common shares to 13,486.749. He also holds indirect shares through a 401(k) plan and multiple employee stock options that allow future purchases at preset exercise prices through 2032.
Republic Bancorp, Inc. EVP and Chief Lending Officer Anthony T. Powell received a grant of 65.422 shares of Class A Common Stock at $70.55 per share. After this award, he directly holds 27,642.996 Class A shares.
Powell also has indirect ownership of 23,845.964 Class A shares through a 401(k) plan. In addition, he holds employee stock options on 5,376, 4,484, 3,244 and 2,028 underlying Class A shares at exercise prices ranging from $42.74 to $71.36, with expiration dates extending through 2032.