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Republic Bank & Trust Company

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

Louisville, KY

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

884 banks in the $1B-$10B peer group nationally 17 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 9.5% in tier
  • + Return on Assets 1.03% above tier average
  • + Net Interest Margin 1.66% above tier average
  • + Efficiency Ratio 15.47% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.9% in tier
  • - Liquidity Strain: Bottom 15.9% in tier
  • - Liquidity Overhang: Bottom 36.2% in tier
Get updates when Republic Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $7.2B
+2.6% YoY +3.0% QoQ
+$4.4B $2.8B
-0.1% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
Top 6.6% in tier
Total Loans ? $5.3B
+1.8% YoY -2.9% QoQ
+$3.4B $2.0B
+0.6% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
Top 5.4% in tier
Total Deposits ? $5.6B
+2.1% YoY +5.9% QoQ
+$3.2B $2.3B
-0.3% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
Top 8.0% in tier
Return on Assets ? 2.40%
-12.1% YoY +26.9% QoQ
+1.03% 1.37%
+19.6% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
Top 4.3% in tier
Net Interest Margin ? 5.48%
-15.5% YoY +5.1% QoQ
+1.66% 3.82%
+6.9% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
Top 3.3% in tier
Efficiency Ratio ? 45.59%
+6.9% YoY -13.1% QoQ
-15.47% 61.06%
-4.6% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
Top 12.1% in tier
Delinquency Rate ? 0.60%
+36.3% YoY +15.4% QoQ
-0.29% 0.89%
+14.1% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
47%
Loan-to-Deposit Ratio ? 95.28%
-0.4% YoY -8.3% QoQ
+11.08% 84.20%
+0.3% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
24%
Non-Interest-Bearing Deposit Share ? 24.39%
-8.0% YoY +2.7% QoQ
+3.10% 21.29%
-2.5% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
70%
Nonperforming Asset Ratio ? 0.45%
+32.7% YoY +7.0% QoQ
-0.22% 0.67%
+15.6% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
48%
Tier 1 Capital Ratio ? 16.42%
+4.7% YoY +5.6% QoQ
+1.26% 15.16%
+2.0% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.41%
-12.3% YoY -64.9% QoQ
+0.16% 0.26%
+1.6% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
Top 8.1% in tier

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
#22 of 221 • Top 9.5% 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: 0.41%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 2.40%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#34 of 420 • Bottom 7.9% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#54 of 334 • Bottom 15.9% 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: 95.28%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#64 of 174 • Bottom 36.2% 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: 16.42%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 95.28%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 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 884 peers in $1B-$10B

Top Strengths (8 metrics)

30
Net Interest Margin
profitability
Value: 5.48%
Peer Median: 3.82%
#30 of 884 Top 3.3% in $1B-$10B
39
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.37%
#39 of 884 Top 4.3% in $1B-$10B
49
Total Loans
size
Value: $5.32B
Peer Median: $1.96B
#49 of 884 Top 5.4% in $1B-$10B
59
Total Assets
size
Value: $7.25B
Peer Median: $2.82B
#59 of 884 Top 6.6% in $1B-$10B
72
Total Deposits
size
Value: $5.58B
Peer Median: $2.34B
#72 of 884 Top 8.0% in $1B-$10B
73
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.26%
#73 of 884 Top 8.1% in $1B-$10B
108
Efficiency Ratio
profitability
Value: 45.59%
Peer Median: 61.06%
#108 of 884 Top 12.1% in $1B-$10B
151
Tier 1 Capital Ratio
capital
Value: 16.42%
Peer Median: 15.16%
#151 of 884 Top 17.0% in $1B-$10B

Top Weaknesses (1 metrics)

675
Loan-to-Deposit Ratio
liquidity
Value: 95.28%
Peer Median: 84.20%
#675 of 884 Bottom 23.8% in $1B-$10B
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