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Republic Bank & Trust Company

$1B-$10B Specialty: Commercial KY FDIC cert 23627

Louisville, KY

48 branches across KY · FL · OH · TN · IN · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
  • Deposits +4.6% year over year ($5.6B on the books).
  • Delinquency rate 0.57%.
  • Return on assets 2.13%.
  • Efficiency ratio 48.70% vs a 59.73% peer average.
  • Loan-to-deposit ratio 95.65% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in KY
View $1B-$10B leaderboard (KY) →

Republic Bank & Trust Company has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 24.8% in tier
  • + Return on Assets 0.74% above tier average
  • + Net Interest Margin 1.37% above tier average
  • + Efficiency Ratio 11.03% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.5% in tier
  • - Liquidity Strain: Bottom 15.5% in tier
  • - Liquidity Overhang: Bottom 36.6% in tier
Get updates when Republic Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $7.1B
+1.3% YoY -2.7% QoQ
+$4.3B $2.8B
-0.6% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 6.4% in tier
Total Loans ? $5.4B
+1.0% YoY +1.2% QoQ
+$3.4B $2.0B
-0.3% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 5.0% in tier
Total Deposits ? $5.6B
+4.6% YoY +0.8% QoQ
+$3.3B $2.3B
-0.5% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 7.1% in tier
Return on Assets ? 2.13%
-6.3% YoY -11.0% QoQ
+0.74% 1.39%
+17.0% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 8.1% in tier
Net Interest Margin ? 5.24%
-7.0% YoY -4.5% QoQ
+1.37% 3.87%
+6.2% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 4.0% in tier
Efficiency Ratio ? 48.70%
+2.5% YoY +6.8% QoQ
-11.03% 59.73%
-12.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.57%
+40.6% YoY -4.7% QoQ
-0.29% 0.87%
+11.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 95.65%
-3.4% YoY +0.4% QoQ
+10.62% 85.04%
-0.1% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 23.71%
-1.6% YoY -2.8% QoQ
+2.44% 21.27%
-1.5% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.45%
+37.3% YoY -1.0% QoQ
-0.23% 0.67%
+11.7% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 16.55%
+5.4% YoY +0.7% QoQ
+1.70% 14.84%
-0.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.70%
-3.9% YoY +70.2% QoQ
+0.18% 0.53%
+2.5% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Top 11.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 23.7%
-0.4pp YoY
-0.7pp QoQ
 +2.3pp 21.4% 23.5% 22.2% 66%
Brokered Deposits 1.8%
-2.5pp YoY
-0.1pp QoQ
 -7.7pp 9.5% 5.4% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 11.1%
+1.7pp YoY
+0.1pp QoQ
 -2.9pp 14.0% 8.6% 12.5% 49%
CRE 39.2%
+1.0pp YoY
+0.3pp QoQ
 -10.9pp 50.0% 37.1% 41.4% 23%
1-4 Family 32.8%
+0.3pp YoY
-0.1pp QoQ
 +6.4pp 26.4% 41.6% 31.3% 71%
Consumer 5.3%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 4.7% 4.8% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 16.6%
+0.9pp YoY
+0.1pp QoQ
 +1.0pp 15.6% 20.2% 19.7% 81%
Leverage Ratio 14.8%
+1.0pp YoY
+0.7pp QoQ
 +3.5pp 11.3% 14.0% 12.6% 92%
Total Capital Ratio 17.8%
+0.8pp YoY
+0.1pp QoQ
 +1.1pp 16.7% 21.3% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 958
-16 (-1.6%) YoY
-8 (-0.8%) QoQ
 +644 313 105 482 97%
Assets per Employee ($) $7.4M
+3.0% YoY
-1.9% QoQ
 -$3.1M $10.5M $6.3M $8.8M 28%
Branch Count 48
0 YoY
0 QoQ
 +28 20 8 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 6%
Nonaccrual 0.6%
+0.2pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.8% 1.0% 54%
Allowance Coverage 2.85x
-24.4% YoY
-0.9% QoQ
 -15.86x 18.71x 7.45x 20.23x 61%
Net Charge-off Rate (YTD) 0.5%
-0.6pp YoY
+0.2pp QoQ
 +0.2pp 0.3% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 14.3%
-2.0pp YoY
-2.0pp QoQ
 +1.7pp 12.6% 13.3% 11.6% 67%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
-0.1pp QoQ
 -0.6pp 1.9% 1.7% 1.7% 15%
Net Income ($, YTD) $75.8M
-4.2% YoY
— QoQ
 +$56.6M $19.2M $5.1M $40.4M 97%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#56 of 222 • Top 24.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.13%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#19 of 402 • Bottom 4.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#57 of 361 • Bottom 15.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.65%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#64 of 172 • Bottom 36.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.55%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 95.65%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

36
Net Interest Margin
profitability
Value: 5.24%
Peer Median: 3.87%
#36 of 885 Top 4.0% in $1B-$10B
45
Total Loans
size
Value: $5.38B
Peer Median: $1.96B
#45 of 885 Top 5.0% in $1B-$10B
58
Total Assets
size
Value: $7.05B
Peer Median: $2.79B
#58 of 885 Top 6.4% in $1B-$10B
64
Total Deposits
size
Value: $5.63B
Peer Median: $2.32B
#64 of 885 Top 7.1% in $1B-$10B
73
Return on Assets
profitability
Value: 2.13%
Peer Median: 1.39%
#73 of 885 Top 8.1% in $1B-$10B
99
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.53%
#99 of 885 Top 11.1% in $1B-$10B
148
Tier 1 Capital Ratio
capital
Value: 16.55%
Peer Median: 14.84%
#148 of 885 Top 16.6% in $1B-$10B
176
Efficiency Ratio
profitability
Value: 48.70%
Peer Median: 59.73%
#176 of 885 Top 19.8% in $1B-$10B

Top Weaknesses (1 metrics)

674
Loan-to-Deposit Ratio
liquidity
Value: 95.65%
Peer Median: 85.04%
#674 of 885 Bottom 24.0% in $1B-$10B
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