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Republic Bank & Trust Company
Louisville, KY·FDIC Cert #23627·Charter: STATE·Est. 19820111.0·HC: REPUBLIC BCORP INC
Total Assets
$7.0B
Q4 2025
Return on Assets
1.89%
-0.20%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.44%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.89%-0.20
ROE
13.24%-1.51
Efficiency
52.44%+2.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%+0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
103.92%+6.92
Charge-offs
0.71%-0.13
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.7 | 1.6 | 1.5 | 2.7 | 2.3 | 2.1 | 1.9 |
| ROE | 13.8 | 12.5 | 12.2 | 11.2 | 19.8 | 16.3 | 14.8 | 13.2 |
| Efficiency | 42.3 | 48.4 | 50.4 | 52.4 | 42.7 | 47.5 | 50.3 | 52.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.3 | 1.4 | 1.0 | 0.8 | 0.2 | 1.1 | 0.8 | 0.7 |
| Loan/Deposit | 95.5 | 102.2 | 101.9 | 102.2 | 95.6 | 99.1 | 97.0 | 103.9 |
Balance Sheet
Total Assets$7.0B
Total Deposits$5.3B
Total Loans$5.5B
Total Equity$1.0B
Profitability
ROA1.89%
ROE13.24%
Efficiency Ratio52.44%
Net Income$131.8M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.71%
Loan/Deposit103.92%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans