Republic Bank & Trust Company
Republic Bank & Trust Company reported total assets of $7.1 bn at Q2 2026, up 1.3% on a year earlier, the 216th largest of 497 banks in our US coverage. The CET1 capital ratio at Republic Bank & Trust Company was 16.55%, and the uninsured share of Republic Bank & Trust Company was 45.58%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Republic Bank & Trust Company climbed from 220th to 129th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Republic Bank & Trust Company has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.24% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
- At 14.82%, the tier 1 leverage ratio of Republic Bank & Trust Company sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45% (FDIC Call Reports).
What sets Republic Bank & Trust Company apart
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than Republic Bank & Trust Company, at 2.13% in against a group median of 1.32%.
- Since , Republic Bank & Trust Company has taken over 2 institutions; the latest was CBank on .
- Over the year to , the net interest margin of Republic Bank & Trust Company fell by 0.39 pp to 5.24%, a bigger fall than at 96% of covered banks.
How large is Republic Bank & Trust Company?
The balance sheet of Republic Bank & Trust Company at : assets $7.1 bn, deposits $5.6 bn, net loans $5.4 bn (loans equal to 95.65% of deposits). Securities make up 12.6% of total assets at Republic Bank & Trust Company. Since , when Republic Bank & Trust Company held $4.2 bn, its assets grew 66.4%. In the year to , deposits at Republic Bank & Trust Company rose 4.6% while its total assets rose 1.3%. At , Republic Bank & Trust Company employed 958 full-time equivalent staff across 48 offices, about $7.4 mn of assets per employee and $117.2 mn of deposits per office.
How much funding at Republic Bank & Trust Company is uninsured?
At Republic Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 45.58% of domestic deposits at (+8.87 pp on a year earlier); Republic Bank & Trust Company ranks 129th of 500 on this measure. In dollars, Republic Bank & Trust Company estimated $2.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +4.6% | 221st of 499 |
| Net loans and leases | $5.4 bn | +1.0% | 197th of 500 |
| Loan-to-deposit ratio | 95.65% | -3.40 pp | 99th of 500 |
| Tier 1 leverage ratio | 14.82% | +1.04 pp | 26th of 500 |
| Total risk-based capital ratio | 17.80% | +0.85 pp | 75th of 448 |
| Net interest margin | 5.24% | -0.39 pp | 35th of 500 |
| Return on assets (ROA) | 2.13% | -0.14 pp | 35th of 500 |
| Efficiency ratio | 48.70% | +1.21 pp | 122nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $3,000 | Turned from a loss into a gain | |
| Unrealized gain/loss on available-for-sale securities | Loss of $11.0 mn | Widened by $958,000 | |
| Noncurrent loans to total loans | 0.56% | +0.16 pp | 225th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.46% | -0.64 pp | 432nd of 500 (1 = lowest) |
US rank of Republic Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Republic Bank & Trust Company: assets, deposits and loans
- Total assets $7.1bn
- Deposits $5.6bn
- Net loans $5.4bn
Capital and securities
The CET1 ratio of Republic Bank & Trust Company stood at 16.55% in , +0.85 pp year on year. Low and high at Republic Bank & Trust Company since : 12.70% () to 16.79% (). Equity capital of Republic Bank & Trust Company at : $1.1 bn, or 15.4% of total assets. Republic Bank & Trust Company also reported a total capital ratio of 17.80% for , and a tier 1 leverage ratio of 14.82%.
On held-to-maturity securities, Republic Bank & Trust Company carried an unrealized gain of $3,000 at , equal to 0.0% of equity capital. The gain turned from a loss into a gain over the year. Its deepest point: $2.1 mn in . The available-for-sale portfolio of Republic Bank & Trust Company showed an unrealized loss of $11.0 mn at ; the loss widened by $958,000 over the year.
Republic Bank & Trust Company: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 15%
Republic Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$11mn
- Held to maturity $3,000
Profitability and loan quality
For the year to , Republic Bank & Trust Company earned a return on equity of 14.26%; return on assets: 2.13%. Net interest margin at Republic Bank & Trust Company: 5.24%, -0.39 pp in a year. Republic Bank & Trust Company net income: $75.8 mn, down 4.2% year on year. The efficiency ratio of Republic Bank & Trust Company was 48.70%: about 49 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.56% of total loans at Republic Bank & Trust Company; net charge-offs: 0.46% of average loans. Gross loans and leases at Republic Bank & Trust Company: $5.5 bn, up 1.1% in a year.
Republic Bank & Trust Company: profitability
- Return on equity 14%
- Net interest margin 5.2%
- Return on assets 2.1%
Peer group of Republic Bank & Trust Company
The peer group of Republic Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Republic Bank & Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Kentucky. Against them, Republic Bank & Trust Company shows CET1 ratio 16.55% against a peer median of 12.64%, return on equity 14.26% against a peer median of 11.12% and uninsured deposit share 45.58% against a peer median of 32.13%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lake City Bank | State member bank | IN | $7.2 bn | 14.13% | 15.52% | 57.58% | |
| The Farmers National Bank of Canfield | National bank | OH | $7.2 bn | 12.64% | 11.64% | 34.66% | |
| Johnson Bank | State member bank | WI | $7.1 bn | 15.62% | 10.61% | 49.03% | |
| Republic Bank & Trust Company | State nonmember bank | KY | $7.1 bn | 16.55% | 14.26% | 45.58% | |
| Mid Penn Bank | State nonmember bank | PA | $7.0 bn | 12.55% | 9.89% | 20.01% | |
| Cambridge Savings Bank | State nonmember bank | MA | $7.0 bn | 12.63% | 3.53% | 29.26% | |
| Community Trust Bank, Inc. | State member bank | KY | $6.9 bn | not reported | 12.47% | 29.60% | |
. FDIC Call Reports.
Last eight quarters
Two years at Republic Bank & Trust Company, to : assets +5.5%, deposits +9.2%, equity +16.7%. Staff 992 to 958.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.7 bn | $6.8 bn | $7.1 bn | $7.0 bn | $7.0 bn | $7.0 bn | $7.2 bn | $7.1 bn |
| Total deposits | $5.2 bn | $5.3 bn | $5.5 bn | $5.4 bn | $5.4 bn | $5.3 bn | $5.6 bn | $5.6 bn |
| Bank equity capital | $931.3 mn | $939.5 mn | $978.5 mn | $1.0 bn | $1.0 bn | $1.0 bn | $1.1 bn | $1.1 bn |
| CET1 ratio | 14.96% | 14.89% | 15.68% | 15.70% | 15.99% | 15.55% | 16.42% | 16.55% |
| Return on equity (ROE) | 12.19% | 11.17% | 19.76% | 16.27% | 14.75% | 13.24% | 16.27% | 14.26% |
| Uninsured share of domestic deposits | 36.43% | 36.36% | 35.27% | 36.71% | 37.12% | 40.83% | 40.55% | 45.58% |
| Full-time equivalent employees | 992 | 989 | 981 | 974 | 978 | 973 | 966 | 958 |
| Number of offices | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Republic Bank & Trust Company, oldest first; figures before and after each event are not like for like.
- . Absorbed Cornerstone Community Bank (FDIC certificate 34948).
- . Absorbed CBank (FDIC certificate 58434).
Questions and identifiers
What were the total assets of Republic Bank & Trust Company?
Republic Bank & Trust Company reported $7.1 bn at in its Call Report. That makes Republic Bank & Trust Company the 216th largest of 497 banks in our US coverage.
Is Republic Bank & Trust Company the same as its holding company?
No. This page covers Republic Bank & Trust Company, FDIC certificate 23627; REPUBLIC BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Republic Bank & Trust Company profitable?
Republic Bank & Trust Company reported net income of $75.8 mn for the year to ; annualized return on equity: 14.26%. So yes: Republic Bank & Trust Company made a profit over these months.
When is data for Republic Bank & Trust Company next updated?
Figures from Republic Bank & Trust Company for are due after .
Where can I check the figures for Republic Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 23627, and in the Call Reports of Republic Bank & Trust Company (RSSD ID 316840) at the FFIEC Central Data Repository.