REPUBLIC BANCORP INC /KY/

For the period ended Jul 18, 2025. Filed Jul 18, 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.

Jul 18, 2025 · Filed Jul 18, 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 · AVERAGE BALANCE SHEET DATA

Average Balance Sheet Data
· · Three Months Ended · · · Six Months Ended
· · Jun. 30, 2025 · · Mar. 31, 2025 · · Dec. 31, 2024 · · Sep. 30, 2024 · · Jun. 30, 2024 · · · Jun. 30, 2025 · · Jun. 30, 2024
Assets:

Interest-earning assets:
Federal funds sold and other interest-earning deposits	$622,909	$516,785	$583,672	$457,797	$393,095	$570,140	$423,761
Investment securities, including FHLB stock	686,223	619,525	594,567	593,449	670,114	653,058	701,396
Loans, including loans held for sale	5,318,666	5,497,968	5,313,234	5,261,173	5,262,719	5,407,821	5,358,531
Total interest-earning assets	6,627,798	6,634,278	6,491,473	6,312,419	6,325,928	6,631,019	6,483,688

Allowance for credit losses	(105,726)	(102,271)	(82,301)	(81,567)	(108,194)	(104,008)	(102,320)

Noninterest-earning assets:
Noninterest-earning cash and cash equivalents	125,098	389,994	93,927	82,969	102,712	256,814	191,665
Premises and equipment, net	33,250	32,513	32,933	33,319	33,452	32,883	33,671
Bank owned life insurance	108,416	107,599	106,814	105,974	105,128	108,010	104,716
Other assets	273,195	273,643	257,780	258,704	247,858	273,420	251,809

Total assets	$7,062,031	$7,335,756	$6,900,626	$6,711,818	$6,706,884	$7,198,138	$6,963,229

Liabilities and Stockholders' Equity:

Interest-bearing liabilities:
Interest-bearing deposits	$4,081,209	$4,041,991	$3,921,291	$3,820,078	$3,848,238	$4,061,709	$3,926,542
SSUARs and other short-term borrowings	87,760	108,760	142,007	73,660	88,326	98,202	95,459
Federal Home Loan Bank advances	370,000	520,778	370,780	387,989	305,604	444,972	420,907
Total interest-bearing liabilities	4,538,969	4,671,529	4,434,078	4,281,727	4,242,168	4,604,883	4,442,908

Noninterest-bearing liabilities and Stockholders’ equity:
Noninterest-bearing deposits	1,323,622	1,491,084	1,328,885	1,313,207	1,366,862	1,406,890	1,428,455
Other liabilities	143,941	150,299	140,228	140,761	144,108	147,103	148,472
Stockholders' equity	1,055,499	1,022,844	997,435	976,123	953,746	1,039,262	943,394

Total liabilities and stockholders’ equity	$7,062,031	$7,335,756	$6,900,626	$6,711,818	$6,706,884	$7,198,138	$6,963,229

Total Company Average Balance Sheet and Interest Rates

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