REPUBLIC BANCORP INC /KY/
For the period ended Dec 31, 2025. Filed Mar 6, 2026.
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FY2025 · Filed Mar 6, 2026
RBCAA$91.57-0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated balance sheets — December 31, 2025 and 2024
CONSOLIDATED BALANCE SHEET****S
YEARS ENDED DECEMBER 31,* (in thousands, except share data)*
| | | | | | | |
|---|---|---|---|---|---|---|
| · · 2025 · · 2024 | ||||||
| | | | | | | |
| ASSETS | | | | | | |
| | | | | | | |
| Cash and cash equivalents | | $219,972 | | $432,151 | ||
| Available-for-sale debt securities, at fair value (amortized cost of $887,884 in 2025 and $602,493 in 2024) | | 884,693 | | 584,155 | ||
| Held-to-maturity debt securities (fair value of $4,929 in 2025 and $10,735 in 2024) | | 4,944 | | 10,778 | ||
| Equity securities with a readily determinable fair value | | | 945 | | | 693 |
| Mortgage loans held for sale, at fair value | | 7,516 | | 8,312 | ||
| Consumer loans held for sale, at fair value | | | 10,968 | | | 5,443 |
| Consumer loans held for sale, at the lower of cost or fair value | | | 17,027 | | | 18,632 |
| Other loans held for sale, at the lower of cost or fair value | | | 81,839 | | | — |
| Loans | | 5,446,329 | | 5,439,466 | ||
| Allowance for credit losses | | (85,352) | | (91,978) | ||
| Loans, net | | 5,360,977 | | 5,347,488 | ||
| Federal Home Loan Bank stock, at cost | | 32,114 | | 24,478 | ||
| Premises and equipment, net | | 35,986 | | 32,309 | ||
| Right-of-use assets | | | 31,330 | | | 36,182 |
| Goodwill | | 40,516 | | 40,516 | ||
| Other real estate owned | | 1,277 | | 1,160 | ||
| Bank owned life insurance | | 110,721 | | 107,125 | ||
| Other assets and accrued interest receivable | | 201,236 | | 197,245 | ||
| | | | | | | |
| TOTAL ASSETS | | $7,042,061 | | $6,846,667 | ||
| | | | | | | |
| LIABILITIES | | | | | | |
| | | | | | | |
| Deposits: | | | | | | |
| Noninterest-bearing | | $1,173,461 | | $1,207,764 | ||
| Interest-bearing | | 4,029,686 | | 4,002,782 | ||
| Total deposits | | 5,203,147 | | 5,210,546 | ||
| | | | | | | |
| Securities sold under agreements to repurchase and other short-term borrowings | | 88,504 | | 103,318 | ||
| Operating lease liabilities | | | 32,370 | | | 37,121 |
| Federal Home Loan Bank advances | | 506,000 | | 395,000 | ||
| Other liabilities and accrued interest payable | | 109,747 | | 108,653 | ||
| | | | | | | |
| Total liabilities | | 5,939,768 | | 5,854,638 | ||
| | | | | | | |
| Commitments and contingent liabilities (Footnote 12) | | — | | — | ||
| | | | | | | |
| STOCKHOLDERS’ EQUITY | | | | | | |
| | | | | | | |
| Preferred stock, no par value | | — | | — | ||
| Class A Common Stock, no par value, 30,000,000 shares authorized, 17,393,095 shares (2025) and 17,297,878 shares (2024) issued and outstanding; Class B Common Stock, no par value, 5,000,000 shares authorized, 2,148,269 shares (2025) and 2,150,090 shares (2024) issued and outstanding | | 4,601 | | 4,587 | ||
| Additional paid in capital | | 156,695 | | 148,053 | ||
| Retained earnings | | 945,399 | | 853,627 | ||
| Accumulated other comprehensive loss | | (4,402) | | (14,238) | ||
| | | | | | | |
| Total stockholders’ equity | | 1,102,293 | | 992,029 | ||
| | | | | | | |
| TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY | | $7,042,061 | | $6,846,667 | ||
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