REPUBLIC BANCORP INC /KY/ (RBCAA) Form 8-K — Oct 23, 2026
Republic Bancorp (NASDAQ: RBCAA) reported Q3 2026 net income of $31.1 million and diluted EPS of $1.59, up 4% and 5% from $29.7 million and $1.52 a year earlier. Core Banking drove the quarter, with net interest income up 8% to $66.1 million and net interest margin expanding 25 basis points to 4.03% on lower funding costs and strong loan growth. A new Republic Payment Solutions program added roughly $180 million of lower-cost average deposits. Management noted the Fed's September 2026 rate hike (first since July 2023) should provide incremental near-term NII growth.
Key figures
- Eps
- 1.59
- Revenue
- 0
- Net Income
- 31071000
- Total Debt
- 0
- Debt Amount
- 0
- Total Assets
- 7080000000
- Cash Position
- 0
- Interest Rate
- 0
- Gross Proceeds
- 0
- Offering Price
- 0
- Shares Offered
- 0
- Shares Outstanding
- 0
- Roa
- 1.74%
- Roe
- 10.48%
- Eps yoy
- 5%
- Net income yoy
- 4%
- Core banking nii
- 66057000
- Core banking nim
- 4.03%
- Allowance to loans
- 1.73%
- Q3 2025 net income
- 29744000
- Q3 2025 diluted eps
- 1.52
- Rps new deposits avg
- 180000000
- Nine month net income
- 106506000
- Nine month diluted eps
- 5.44
- Total loans period end
- 5386149000
- Core banking net income
- 22800000
- Federal funds rate range
- 3.75%-4.00%
- Nonperforming loans to total
- 0.63%
AI analysis
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