REPUBLIC BANCORP INC KY

For the period ended Oct 17, 2025. Filed Oct 17, 2025.

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A notice of a major event between regular reports, such as results, a deal or a change of executives. It is often the first formal record of the news.

Oct 17, 2025 · Filed Oct 17, 2025

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RBCAA$90.91-0.2%Stored close · as of Nov 6, 2026

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Contents

EX-99.2 · INCOME STATEMENT DATA



Income Statement Data
· · Three Months Ended · · · Nine Months Ended
· · Sep. 30, 2025 · · Jun. 30, 2025 · · Mar. 31, 2025 · · Dec. 31, 2024 · · Sep. 30, 2024 · · · Sep. 30, 2025 · · Sep. 30, 2024

Total interest income (1)	$103,239	$102,203	$129,838	$103,108	$101,546	$335,280	$329,878
Total interest expense	26,269	26,001	27,150	27,714	30,241	79,420	93,118
Net interest income	76,970	76,202	102,688	75,394	71,305	255,860	236,760

Provision (2)	2,023	1,823	17,672	12,951	5,660	21,518	41,425

Noninterest income:
Service charges on deposit accounts	3,646	3,505	3,460	3,654	3,693	10,611	10,532
Net refund transfer fees	1,117	2,567	13,893	143	582	17,577	15,213
Mortgage banking income (3)	2,064	1,896	1,821	1,454	2,062	5,781	3,984
Interchange fee income	3,030	3,200	3,077	3,173	3,286	9,307	9,794
Program fees (3)	4,888	4,451	3,822	4,279	4,962	13,161	13,539
Increase in cash surrender value of BOLI	1,035	821	793	836	826	2,649	2,372
Net losses on OREO	(52)	(53)	(53)	(52)	(53)	(158)	(154)
Gain on sale of Visa Class B-1 shares	—	—	4,090	—	—	4,090	—
Other (3)	840	1,257	2,251	631	1,455	4,348	3,252
Total noninterest income	16,568	17,644	33,154	14,118	16,813	67,366	58,532

Noninterest expense:
Salaries and employee benefits	31,027	30,801	31,069	30,999	28,792	92,897	87,651
Technology, equipment, and communication	8,710	8,684	8,643	8,316	7,544	26,037	22,374
Occupancy	3,547	3,391	3,564	3,401	3,224	10,502	10,455
Marketing and development	2,668	1,243	1,387	2,827	1,983	5,298	6,612
FDIC insurance expense	763	731	819	728	764	2,313	2,284
Interchange related expense	1,640	1,488	1,636	1,595	1,540	4,764	4,250
Legal and professional fees	1,100	666	1,118	794	870	2,884	2,695
Core conversion and contract consulting fees	97	182	5,714	—	—	5,993	—
Merger expense	—	—	—	—	—	—	41
Other (2)	4,201	4,447	4,258	4,851	3,892	12,906	12,852
Total noninterest expense	53,753	51,633	58,208	53,511	48,609	163,594	149,214

Income before income tax expense	37,762	40,390	59,962	23,050	33,849	138,114	104,653
Income tax expense	8,018	8,906	12,694	4,034	7,306	29,618	22,298

Net income	$29,744	$31,484	$47,268	$19,016	$26,543	$108,496	$82,355

ContentsView on SEC.gov

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