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Republic Bancorp (RBCAA) investor relations material
Republic Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Net income for Q3 2025 was $29.7M, up 12% year-over-year; diluted EPS rose 11% to $1.52.
For the first nine months of 2025, net income was $108.5M, a 32% increase; diluted EPS up 32% to $5.55.
Core Bank net income increased 15% to $19.8M, driven by higher net interest income and lower credit loss provisioning.
Return on average assets reached 1.69% and return on average equity was 10.91% for the quarter.
The company received industry accolades for profitability, capital adequacy, and credit quality.
Financial highlights
Q3 2025 net interest income increased 8% to $77.0M; NIM rose to 4.65% from 4.49% year-over-year.
For the first nine months, net interest income was $255.9M (up 8%); NIM was 5.18% (up from 4.92%).
Core Bank net interest income increased 12% to $61.2M; Core Bank NIM rose to 3.78%.
Noninterest income for Q3 2025 was $16.6M, down 1% year-over-year; noninterest expense rose 11% to $53.8M.
Total assets at September 30, 2025 were $7.01B; total loans $5.28B; deposits $5.34B.
Outlook and guidance
Management expects continued pressure on NIM if interest rates decline further.
Deposit migration from noninterest-bearing to interest-bearing accounts is expected to persist.
Marketing expenses are expected to remain elevated due to a new branding campaign.
Anticipated savings from a new call center management system and a core system conversion in Q4.
The company plans to maintain strong capital and liquidity positions and continue prudent loan origination strategies.
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Next Republic Bancorp earnings date
Q4 202523 Jan, 2026
Next Republic Bancorp earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company. The company provides a range of financial services and products across six segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. It offers various deposit products, including checking, savings, money market, and certificates of deposit accounts. Additionally, Republic Bancorp provides a variety of loan products, such as retail and commercial mortgages, consumer loans, and specialized financing for aircraft and marine purchases. The company is headquartered in Louisville, Kentucky, and its shares are listed on the NASDAQ.
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