REPUBLIC BANCORP INC

Republic Bancorp, Inc. (NASDAQ: RBCAA) operates as a financial holding company headquartered in Louisville, Kentucky, and ranks as the second largest Kentucky-based financial holding company by total assets. The company's principal subsidiary is Republic Bank & Trust Company, a state-chartered non-member financial institution providing traditional and non-traditional banking products and services through five reportable segments.

The company maintains a website at www.republicbank.com and serves customers across the United States through both physical banking centers and digital delivery channels. As of December 31, 2025, Republic operates 47 full-service banking centers located primarily in Kentucky, Indiana, Ohio, Tennessee, and Florida, with significant presence in the Louisville and Cincinnati metropolitan areas. The organization employs 973 full-time equivalent employees.

Republic's business is organized into two primary operating divisions. The Core Bank consists of Traditional Banking and Warehouse Lending segments, which provide conventional banking services including retail and commercial lending, deposit products, and mortgage warehouse credit facilities to mortgage bankers nationwide. The Traditional Banking segment offers single-family residential mortgages, commercial and industrial loans, commercial real estate financing, construction lending, consumer loans, and aircraft financing primarily to customers within the company's geographic footprint. The Warehouse Lending segment provides short-term revolving credit facilities secured by single-family mortgage loans to mortgage banking clients across the United States.

Republic Processing Group comprises three segments: Tax Refund Solutions, which facilitates federal and state tax refund products and credit advances through tax preparers; Republic Payment Solutions, offering prepaid cards, debit solutions, and money movement capabilities; and Republic Credit Solutions, providing consumer credit products including lines of credit, installment loans, and healthcare receivables. As of December 31, 2025, Republic maintained total assets of $7.04 billion, total loans of $5.45 billion, total deposits of $5.20 billion, and stockholders' equity of $1.10 billion. The company's diversified business model generates revenue from net interest income, loan fees, deposit service charges, mortgage banking activities, and various non-interest income sources across its multiple operating segments.