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AI Earnings Predictions for Republic Bancorp Inc. (RBCAA)

Machine learning predictions based on historical earnings data and price patterns

Latest Prediction

BUY

1-Day Prediction

+1.36%

$74.02

100% positive prob.

5-Day Prediction

+6.04%

$77.43

100% positive prob.

20-Day Prediction

+3.45%

$75.54

95% positive prob.

Price at prediction: $73.02 Confidence: 100.0% Model AUC: 1.0000 Quarter: Q4 2025

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 30, 2026 · 100% conf.

AI Prediction BUY

1D

+1.36%

$74.02

Act: +0.55%

5D

+6.04%

$77.43

Act: +1.55%

20D

+3.45%

$75.54

Price: $73.02 Prob +5D: 100% AUC: 1.000
0001104659-26-008308

REPUBLIC BANCORP, INC._January 30, 2026 0000921557false00009215572026-01-302026-01-30 ​ ​

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): January 30, 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 January 30, 2026, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2025. 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 January 30, 2026.

​ 99.2 Earnings Release Financial Supplement – Fourth Quarter 2025.

​ 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: January 30, 2026 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2025
Q3

Q3 2025 Earnings

8-K

Oct 17, 2025

0001104659-25-100262

REPUBLIC BANCORP, INC._October 17, 2025 0000921557false00009215572025-10-172025-10-17 ​ ​

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 17, 2025 ​

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 17, 2025, Republic Bancorp, Inc. announced its results of operations for the quarter ended September 30, 2025. 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 17, 2025.

​ 99.2 Earnings Release Financial Supplement – Third Quarter 2025.

​ 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 17, 2025 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2025
Q2

Q2 2025 Earnings

8-K

Jul 18, 2025

0001558370-25-009288

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572025-07-182025-07-18 ​ ​

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): July 18, 2025 ​

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 July 18, 2025, Republic Bancorp, Inc. announced its results of operations for the quarter ended June 30, 2025. 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 July 18, 2025.

​ 99.2 Earnings Release Financial Supplement – Second Quarter 2025.

​ 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: July 18, 2025 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2025
Q1

Q1 2025 Earnings

8-K

Apr 24, 2025

0001558370-25-005337

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572025-04-242025-04-24 ​ ​

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): April 24, 2025 ​

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 April 24, 2025, Republic Bancorp, Inc. announced its results of operations for the quarter ended March 31, 2025. 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 April 24, 2025.

​ 99.2 Earnings Release Financial Supplement – First Quarter 2025.

​ 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: April 24, 2025 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2024
Q4

Q4 2024 Earnings

8-K

Jan 24, 2025

0001558370-25-000379

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572025-01-242025-01-24 ​ ​

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): January 24, 2025 ​

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 January 24, 2025, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2024. 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 January 24, 2025.

​ 99.2 Earnings Release Financial Supplement – Fourth Quarter 2024.

​ 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: January 24, 2025 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2024
Q3

Q3 2024 Earnings

8-K

Oct 18, 2024

0001558370-24-013388

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572024-10-182024-10-18 ​ ​

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 18, 2024 ​

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 18, 2024, Republic Bancorp, Inc. announced its results of operations for the quarter ended September 30, 2024. 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 18, 2024.

​ 99.2 Earnings Release Financial Supplement – Third Quarter 2024.

​ 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 18, 2024 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2024
Q2

Q2 2024 Earnings

8-K

Jul 19, 2024

0001558370-24-009902

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572024-07-192024-07-19 ​ ​

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): July 19, 2024 ​

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 July 19, 2024, Republic Bancorp, Inc. announced its results of operations for the quarter ended June 30, 2024. 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 July 19, 2024.

​ 99.2 Earnings Release Financial Supplement – Second Quarter 2024.

​ 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: July 19, 2024 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2024
Q1

Q1 2024 Earnings

8-K

Apr 25, 2024

0001558370-24-005685

RBCAA Reports an __% Increase In Core earning and announces a stock repurchase program 0000921557false00009215572024-04-252024-04-25 ​ ​

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): April 25, 2024 ​

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 April 25, 2024, Republic Bancorp, Inc. announced its results of operations for the quarter ended March 31, 2024. 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 April 25, 2024.

​ 99.2 Earnings Release Financial Supplement – First Quarter 2024.

​ 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: April 25, 2024 By: /s/ Kevin Sipes

​ ​ Executive Vice President, Chief Financial Officer & Chief Accounting Officer

​ ​ ​ ​

2

2023
Q4

Q4 2023 Earnings

8-K

Jan 26, 2024

0001157523-24-000121

false000092155700009215572024-01-262024-01-26

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): January 26, 2024

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 January 26, 2024, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2023. 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 Number

Description

99.1

Republic Bancorp, Inc. Earnings Release dated January 26, 2024.

99.2

Earnings Release Financial Supplement – Fourth Quarter 2023.

104

Cover Page Interactive Data File (formatted as Inline XBRL).

2

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: January 26, 2024

By:

/s/ Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

3

2023
Q3

Q3 2023 Earnings

8-K

Oct 20, 2023

0001157523-23-001512

false000092155700009215572023-10-202023-10-20

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 20, 2023

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 20, 2023, Republic Bancorp, Inc. announced its results of operations for the quarter ended September 30, 2023. 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

Number

Description

99.1

Republic Bancorp, Inc. Earnings Release dated October 20, 2023.

99.2

Earnings Release Financial Supplement – Third Quarter 2023.

104

Cover Page Interactive Data File (formatted as Inline XBRL).

2

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 20, 2023

By:

/s/ Kevin Sipes

Executive Vice President, Chief Financial Officer

& Chief Accounting Officer

3

2023
Q2

Q2 2023 Earnings

8-K

Jul 21, 2023

0001157523-23-001122

false000092155700009215572023-07-212023-07-21

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): July 21, 2023

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 July 21, 2023, Republic Bancorp, Inc. announced its results of operations for the quarter ended June 30, 2023. 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

Number

Description

99.1

Republic Bancorp, Inc. Earnings Release dated July 21, 2023.

99.2

Earnings Release Financial Supplement – Second Quarter 2023.

104

Cover Page Interactive Data File (formatted as Inline XBRL).

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: July 21, 2023

By:

/s/ Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

2023
Q1

Q1 2023 Earnings

8-K

Apr 20, 2023

0001157523-23-000584

false000092155700009215572023-04-202023-04-20

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): April 20, 2023

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 April 20, 2023, Republic Bancorp, Inc. announced its results of operations for the quarter ended March 31, 2023. 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

Number

Description

99.1

Republic Bancorp, Inc. Earnings Release dated April 20, 2023.

99.2

Earnings Release Financial Supplement – First Quarter 2023.

104

Cover Page Interactive Data File (formatted as Inline XBRL).

2

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: April 20, 2023

By:

/s/ Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

3

2022
Q4

Q4 2022 Earnings

8-K

Jan 27, 2023

0001157523-23-000107

false000092155700009215572023-01-272023-01-27

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): January 27, 2023

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 January 27, 2023, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2023. 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 January 27, 2023.

99.2

Earnings Release Financial Supplement – Fourth Quarter 2022.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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: January 27, 2023

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial

Officer & Chief Accounting Officer

2022
Q3

Q3 2022 Earnings

8-K

Oct 21, 2022

0001157523-22-001351

false000092155700009215572022-10-212022-10-21

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 21, 2022

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

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

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))

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 21, 2022, Republic Bancorp, Inc. announced its results of operations for the quarter ended September 30, 2022. 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 21, 2022.

99.2 Earnings Release Financial Supplement – Third Quarter 2022

104     Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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 21, 2022

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial

Officer & Chief Accounting Officer

2022
Q2

Q2 2022 Earnings

8-K

Jul 22, 2022

0001157523-22-000885

false000092155700009215572022-07-222022-07-22

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): July 22, 2022

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

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

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))

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 July 22, 2022, Republic Bancorp, Inc. announced its results of operations for the quarter ended June 30, 2022. 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 July 22, 2022.

99.2

Earnings Release Financial Supplement – Second Quarter 2022

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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: July 22, 2022

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial

Officer & Chief Accounting Officer

EXHIBIT INDEX

Exhibit No.

Description of Exhibit

99.1

Earnings Release dated July 22, 2022.

99.2

Earnings Release Financial Supplement – Second Quarter 2022

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

2022
Q1

Q1 2022 Earnings

8-K

Apr 21, 2022

0001157523-22-000454

false000092155700009215572022-04-212022-04-21

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): April 21, 2022

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

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

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))

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 April 21, 2022, Republic Bancorp, Inc. announced its results of operations for the quarter ended March 31, 2022. 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 April 21, 2022.

99.2   Earnings Release Financial Supplement – First Quarter 2022

104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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: April 21, 2022

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial Officer &

Chief Accounting Officer

EXHIBIT INDEX

Exhibit No.

Description of Exhibit

99.1

Earnings Release dated April 21, 2022.

99.2

Earnings Release Financial Supplement – First Quarter

2022

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

2021
Q4

Q4 2021 Earnings

8-K

Jan 28, 2022

0001157523-22-000113

false000092155700009215572022-01-282022-01-28

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): January 28, 2022

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

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 LLC

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))

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 January 28, 2022, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2021. 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 January 28, 2022.

99.2     Earnings Release Financial Supplement – Fourth Quarter 2021

104     Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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: January 28, 2022

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

EXHIBIT INDEX

Exhibit No

Description of Exhibit

99.1

Earnings Release dated January 28, 2022.

99.2

Earnings Release Financial Supplement – Fourth Quarter 2021

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

2021
Q3

Q3 2021 Earnings

8-K

Oct 22, 2021

0001157523-21-001237

false000092155700009215572021-10-222021-10-22

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 22, 2021

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

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 LLC

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))

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 22, 2021, Republic Bancorp, Inc. announced its results of operations for the quarter ended September 30, 2021. 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 22, 2021.

99.2   Earnings Release Financial Supplement – Third Quarter 2021

104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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 22, 2021

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial Officer &

Chief Accounting Officer

EXHIBIT INDEX

Exhibit No.

Description of Exhibit

99.1

Earnings Release dated October 22, 2021.

99.2

Earnings Release Financial Supplement – Third Quarter 2021

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

2021
Q2

Q2 2021 Earnings

8-K

Jul 23, 2021

0001157523-21-000907

false000092155700009215572021-07-232021-07-23

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): July 23, 2021

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

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 LLC

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))

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 July 23, 2021, Republic Bancorp, Inc. announced its results of operations for the quarter ended June 30, 2021. 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 July 23, 2021.

99.2  Earnings Release Financial Supplement – Second Quarter 2021

104   Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information in this Form 8-K, including Exhibit 99.1 and Exhibit 99.2 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of Republic Bancorp, Inc. under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

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: July 23, 2021

By:

/s/ Kevin Sipes

Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

EXHIBIT INDEX

Exhibit No.

Description of Exhibit

99.1

Earnings Release dated July 23, 2021.

99.2

Earnings Release Financial Supplement – Second Quarter 2021

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

2021
Q1

Q1 2021 Earnings

8-K

May 6, 2021

0001558370-21-006285

0000921557false00009215572021-05-062021-05-06 ​ ​

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): May 6, 2021

REPUBLIC BANCORP, INC.

(Exact name of registrant as specified in its charter) ​ ​

Kentucky 0-24649 61-0862051

(State or other jurisdiction of incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

​ ​ ​

601 West Market Street, Louisville, Kentucky ​ 40202

(Address of principal executive offices) ​ (zip code)

​ Registrant’s telephone number, including area code: (502) 584-3600 ​ ​

Title of each class Trading Symbol Name of each exchange on which registered

Class A Common

RBCAA

The Nasdaq Stock Market

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)) ​ 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 April 22, 2021, Republic Bancorp, Inc. (“Republic” or the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2021. Subsequent to the release of its preliminary earnings, and in conjunction with the preparation of its Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2021 (the “10-Q”), the Company positively refined its estimate for its March 31, 2021 Allowance for Credit Losses for its Easy Advance (“EA”) loans based on better-than-expected payments on these loans the Company received from the U.S. Treasury through May 5, 2021. As a result, the Company recorded incremental decreases in its Allowance for Credit Losses on EAs and for its Provision for Expected Credit Loss Expense on EAs by $7.3 million for the first quarter of 2021. Refer to the below tables for a summary of the refinements to the results discussed above. ​ ​

​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

​ ​ Total Company Financial Performance Highlights

​ ​ Three Months Ended Mar. 31, 2021 ​ ​ ​

(dollars in thousands, except per share data) ​

As Reported in 10-Q ​ Preliminary ​ $ Change ​ % Change

​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

Income Before Income Tax Expense ​ ​ $ 33,744 ​ ​ $ 26,398 ​ ​ $ 7,346 ​ 28 % ​

Net Income ​ ​ ​ 26,053 ​ ​ ​ 20,433 ​ ​ ​ 5,620 ​ 28 ​ ​

Diluted Earnings per Class A Common Share ​ ​ ​ 1.25 ​ ​ ​ 0.98 ​ ​ ​ 0.27 ​ 28 ​ ​

Return on Average Assets ​ ​ ​ 1.65 % ​ ​ 1.30 % ​ ​ NA ​ 27 ​ ​

Return on Average Equity ​ ​ ​ 12.46 ​ ​ ​ 9.77 ​ ​ ​ NA ​ 28 ​ ​

​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

​ ​

Income Statement Data ​ ​ ​ ​ ​ ​

​ ​ Three Months Ended Mar. 31, 2021

​ ​ As Reported in 10-Q ​ Preliminary

​ ​ ​ ​ ​ ​ ​

Net interest income ​ $ 67,780 ​ $ 67,780

​ ​ ​ ​ ​ ​ ​

Provision for expected credit loss expense ​ ​ 15,262 ​ ​ 22,608

​ ​ ​ ​ ​ ​ ​

Noninterest income ​ ​ 29,037 ​ ​ 29,037

​ ​ ​ ​ ​ ​ ​

Noninterest expense: ​ ​ 47,811 ​ ​ 47,811

​ ​ ​ ​ ​ ​ ​

Income before income tax expense ​ ​ 33,744 ​ ​ 26,398

Income tax expense ​ ​ 7,691 ​ ​ 5,965

Net income ​ $ 26,053 ​ $ 20,433

​ ​ ​​ ​

- 2 -

​ ​

Balance Sheet Data ​ As Reported in 10-Q ​ Preliminary

​ ​ Mar. 31, 2021 ​ Mar. 31, 2021

Assets: ​ ​ ​ ​ ​ ​

Cash and cash equivalents ​ $ 984,857 ​ $ 984,857

Investment securities, net of allowance for credit losses ​ ​ 532,443 ​ ​ 532,443

Loans held for sale ​ ​ 79,307 ​ ​ 79,307

Loans ​ ​ 4,666,593 ​ ​ 4,666,593

Allowance for credit losses ​ ​ (75,336) ​ ​ (82,682)

Loans, net ​ ​ 4,591,257 ​ ​ 4,583,911

Federal Home Loan Bank stock, at cost ​ ​ 13,153 ​ ​ 13,153

Premises and equipment, net ​ ​ 38,324 ​ ​ 38,324

Right-of-use assets

​ ​ 41,911 ​ ​ 41,911

Goodwill ​ ​ 16,300 ​ ​ 16,300

Other real estate owned ("OREO") ​ ​ 2,015 ​ ​ 2,015

Bank owned life insur

About Republic Bancorp Inc. (RBCAA) Earnings

This page provides Republic Bancorp Inc. (RBCAA) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.

Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on RBCAA's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.

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