Form 8-K

8-K — REPUBLIC BANCORP INC /KY/

Accession: 0001104659-26-047386

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0000921557

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — rbcaa-20260423x8k.htm (Primary)

EX-99.1 (rbcaa-20260423xex99d1.htm)

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8-K

8-K (Primary)

Filename: rbcaa-20260423x8k.htm · Sequence: 1

REPUBLIC BANCORP, INC._April 23, 2026

0000921557false00009215572026-04-232026-04-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): April 23, 2026

REPUBLIC BANCORP, INC.

(Exact name of registrant as specified in its charter)

Kentucky

0-24649

61-0862051

(State or other jurisdiction

(Commission File Number)

(I.R.S. Employer Identification No.)

of incorporation)

601 West Market Street, Louisville, Kentucky

40202

(Address of principal executive offices)

(zip code)

Registrant’s telephone number, including area code: (502) 584-3600

NOT APPLICABLE

(Former Name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol

Name of each exchange on which registered

Class A Common

RBCAA

The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01. REGULATION FD DISCLOSURE.

Republic Bancorp, Inc. will make a presentation (the “Meeting Presentation”) at its Annual Meeting of Shareholders on Thursday, April 23, 2026, at 10:00 A.M. (Eastern Daylight Time). A copy of the Meeting Presentation materials are set forth in Exhibit 99.1 attached hereto.

The information in this Item 7.01, and Exhibit 99.1 attached hereto, is furnished pursuant to the rules and regulations of the U.S. Securities and Exchange Commission and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

(d)

Exhibits.

Exhibit No.

99.1

Presentation Materials for Annual Meeting of Shareholders

104

Cover Page Interactive Data File (embedded within the inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Republic Bancorp, Inc.

(Registrant)

Date: April 23, 2026

By:

/s/ Kevin Sipes

Executive Vice President, Chief Financial Officer & Chief Accounting Officer

EX-99.1

Filename: rbcaa-20260423xex99d1.htm · Sequence: 2

Exhibit 99.1

P a g e

Annual Meeting of Shareholders

April 23, 2026

Springhurst Lower Level | Louisville, KY

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 2

During this presentation, we will be providing you with a

discussion of some of the factors we currently anticipate may

influence the future results of Republic Bancorp, Inc. (“Republic”

or the “Company”), as well as certain financial projections. We

want to emphasize that these forward-looking statements involve

judgment, and that individual judgments may vary. Moreover,

these statements are based on limited information available to us

now, which is subject to change. Actual results may differ

substantially from what we say today, and no one should assume

later that the comments we provide today are still valid. They

speak only as of today. Specific risk factors that could change

causing our projections not to be achieved are discussed in the

“Risk Factors” section of our Form 10-K filed with the Securities

and Exchange Commission (“SEC”) on March 6, 2026, and other

reports filed with the SEC from time-to-time.

Safe Harbor Statement

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 3

M E E T I N G

AGENDA

STRATEGIC PRIORITIES

Logan Pichel, President & CEO

Republic Bank & Trust Company

2026 Q1 RESULTS (Quarter ended March 31, 2026)

Logan Pichel, President & CEO

Republic Bank & Trust Company

2025 FINANCIAL HIGHLIGHTS

Steve Trager, Executive Chair & CEO

Republic Bancorp

BUSINESS OVERVIEW

Steve Trager, Executive Chair & CEO

Republic Bancorp

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 4

Steve Trager

Executive Chair & CEO

Republic Bancorp

2025 FINANCIAL HIGHLIGHTS

Steve Trager, Executive Chair & CEO

Republic Bancorp

STRATEGIC PRIORITIES

Logan Pichel, President & CEO

Republic Bank & Trust Company

2026 Q1 RESULTS (Quarter ended March 31, 2026)

Logan Pichel, President & CEO

Republic Bank & Trust Company

BUSINESS OVERVIEW

Steve Trager, Executive Chair & CEO

Republic Bancorp

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e

Overview of Republic Bancorp

IN-3 OH-4

TN-4

KY-29

Retail Footprint

FL-7

47 banking centers in FIVE states

Largest market share is Louisville, KY

MSA

Ability to originate mortgage loans

in 26 states plus D.C.; select

financial services across the U.S.

Headquartered in Louisville, Kentucky

Class A common shares traded on NASDAQ Global

Select Market – symbol: RBCAA

$7.3B in total assets and 966 FTEs as of 3-31-26

(RB&T) Republic’s wholly-owned subsidiary,

founded in 1982

Bank Profile

Republic Bank & Trust Company

National Business

Lines

CORE

Warehouse lending / Aircraft lending

RPG TRS RPS RCS

Republic Processing

Group (RPG)

Tax Refund

Solutions (TRS)

Republic Payment

Solutions (RPS)

Republic Credit

Solutions (RCS)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 6

Republic Bank

& Trust

Company

founded

(Bardstown Rd)

1982

Corporate

Center

1987

Lexington

1993

Republic

Bancorp, Inc.

IPO

Refunds Now

Acquisition (Tax

Refund Solutions)

1998

Indiana

2001

Northern KY &

Florida

2006

Ohio

2008

Florida (4

Banking

Centers

Acquired)

2016

CBank

(Cincinnati)

Acquisition

2023

Tennessee

2012

47 Banking Centers

in 5 States

$7B in total assets

2026

80+ Year Old

Shelby County

Bank Acquired,

Renamed

Republic Bank

of Shelby

County

1977

Key History Timeline

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 7

2026 Purpose Architecture

COMPANY

MISSION To enable our clients, company, associates and the communities we serve to THRIVE.

Innovate for the future

Make it easy

Provide exceptional service

Acknowledge & celebrate success

Commit to caring

Thrive together

How we will make an IMPACT What we will PRIORITIZE How we will serve our CLIENTS

Navigate the Bank for the client

Build connections

Be accountable

Commit to same-day resolution

Create a best-in-class

client/associate experience

Continued investment in Associate

development

Increase prudent and profitable

revenue-generating activities

Continually improve operational

efficiency

Innovate for the future

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 8

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 9

NET PROMOTER SCORE

(“NPS”)

NPS measures “How likely are you to recommend Republic Bank to a friend or

colleague?” computing the difference between the % of Promoters and Detractors.

A score of 80 is considered World Class.

3Q 2025 73

3Q 2024 75

3Q 2023 58

Scores continue to exceed 2X the industry average of 31

(Source: Qualtrics XMI Consumer NPS 2025 U.S. Study)

clients

3Q 2022 44

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 10

Associate Engagement Survey Scores / Year

2025

2024

2023

81%

78%

76%

o Associate Engagement Survey shows overall 81% favorability score

o Score Definitions:

• 70-79% – “Healthy”

• 80-89% – “Great”

• 90%+ – “Excellent”

associates

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 11

$3.3M in charitable donations through Republic Bank & Republic Bank Foundation

475 different organizations impacted

5,500 hours of community service by Republic Bank associates

communities

Republic Bank named in the top 10 most

philanthropic large companies in Louisville

by Business First for the 10th consecutive

year!

Bank

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e

Awards and Recognition

America’s Best

Regional Banks

and Credit

Unions 2026

from Newsweek (the

only Louisville-based bank on the

list)

Raymond James

Community

Bankers Cup

Awarded to top 10%

of community banks

nationwide from

Raymond James

Top 50

Community

Banks

with assets of $3B

to $10B from S&P

Market Intelligence

Best Places to

Work in Kentucky

Award

from Kentucky

Chamber of

Commerce and the

Kentucky Society for

Human Resource

Management

(KYSHM)

Bank Director

Top 25 Banks

Ranked among the

top 25 publicly

traded banks from

Bank Director

Top 10 Large

Corporate

Philanthropists in

Louisville

From Louisville

Business First

Partners in

Philanthropy

(Republic Bancorp

is the only bank in

the top 10)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 13

2025 Other Notable Highlights

Added all SVPs+ to Long-Term Incentive Program

(LTIP)

Paid core conversion bonuses to 350 associates

Paid discretionary bonuses to 650 AVP’s

and non-officer associates due to strong

2025 financial results

Granted robust merit increases

Converted to a new core system in eight months

Sold consumer credit card portfolio

Enhanced maternity leave for associates

Introduced Women-Owned business initiative

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 14

Steve Trager

Executive Chair & CEO

Republic Bancorp

2025 FINANCIAL HIGHLIGHTS

Steve Trager, Executive Chair & CEO

Republic Bancorp

STRATEGIC PRIORITIES

Logan Pichel, President & CEO

Republic Bank & Trust Company

2026 Q1 RESULTS (Quarter ended March 31, 2026)

Logan Pichel, President & CEO

Republic Bank & Trust Company

BUSINESS OVERVIEW

Steve Trager, Executive Chair & CEO

Republic Bancorp

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 15

2025 Financial Results

All-time record year for net income

Diluted Earnings per Class A Common Share increased 29% to $6.72 in

2025

Maintained a consistently low efficiency ratio, reflecting strong cost

discipline and operating effectiveness.

Non-Interest Expense ($K) & FTEs (count)

FTEs

Efficiency Ratio & Operating Leverage

Operating Leverage

$199,398 $202,725

$220,189 1019

989

973

2023 2024 2025

55.4%

52.7% 52.7%

+3.9%

+5.2% -0.1%

2023 2024 2025

Sustained

Efficiency Ratio

$90,374

$101,371

$131,317

2023 2024 2025

+30%

Net Income ($K)

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 16

Total Company

Favorable decrease in Average Loan-to-Deposit Ratio & Cost of

Deposits

Solid growth in average quarterly deposits as measured by 4Q 2025

average deposits versus 4Q 2024 average deposits

Loan to Deposit Ratios (4th Qtr. Avg.) 4

th Qtr. Avg. Deposits ($M)

104% 101% 100%

4Q23 4Q24 4Q25

1.60%

1.79%

1.50%

4Q23 4Q24 4Q25 4Q23 4Q24 4Q25

$4,926

$5,250 $5,346

Quarterly Deposit Costs

+2%

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 17

Total Company Non-Interest

Income ($K)

Non-interest Income increased 14% versus 2024

Mortgage Banking Income increased $2.0M, or 36%

Diversified revenue sources

21%

RPG Program Fees

$17,605

21%

Net Refund Transfer Fees

$17,685

18% Service Charges on Deposits

$14,436

15%

Interchange Fee Income

$12,191

Mortgage Banking Income

$7,401

Other Non-Interest Income & Net Losses

on OREO

$5,821

Gain on sale of Visa Class B-1 Shares

$4,090

+36%

2024

$72,650

$82,825

2025

+14%

BOLI Income

$3,596

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 18

Noninterest Expense increased 9% versus 2024

Salaries and Employee Benefits increased $8.4M, or 7%

58%

Salaries and Employee Benefits

$127,060

16%

Technology, Equipment and

Communication

$34,618

11% All Other Non-interest Expense

$24,030

Occupancy

$14,175

Marketing and Development

$7,720

Interchange-related Expense

$6,373

+7%

$202,725

$220,189

2024 2025

+9%

Total Company Non-Interest

Expense ($K)

Core Conversion Expense

$6,213

CORE

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 19

Core Bank Highlights Core Bank Net Income growth of 14% driven primarily by 12%

increase in Net Interest Income versus 2024

Core Bank Net Income ($K) Net Interest Income ($K)

$51,456

$62,874

$71,757

2023 2024 2025

+14% $204,245

$215,608

$241,228

2023 2024 2025

+12%

CORE

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 20

2025 Annual Net Interest Margin grew 29 basis points from 2024

Quarterly NIM grew substantially on a linked quarter basis from 4Q

2024 thru 4Q 2025

Quarterly NIM

3.64%

3.70%

3.72%

3.78%

3.87%

+6 bps

4Q24 1Q25 2Q25 3Q25 4Q25

3.61% 3.48%

3.77%

2023 2024 2025

+29 bps

Net Interest Margin (“NIM”)

Core Bank Highlights

RPG

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 21

RPG Highlights

Total Republic Processing Group (“RPG”) net income of $59.6M, up

55% from 2024

Increase in TRS net income primarily the result of lower provision

expense of $20.5M or 68%

Income growth seen in all three segments of RPG

$18,365

$23,544

$27,973

2023 2024 2025

+19%

Tax Refund Solutions (“TRS”)

Net Income ($K)

TRS Republic Payment Systems (“RPS”)

Net Income ($K)

RPS Republic Credit Solutions (“RCS”)

Net Income ($K)

RCS

$11,697

$8,555

$9,595

2023 2024 2025

+12%

$8,856

$6,398

$21,992

2023 2024 2025

+244%

CORE

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 22

Credit Quality: Net Charge-Offs Net charge-offs remain historically low and significantly better than

similar-sized banks

0.01%

0.05%

0.03%

0.11%

0.14%

0.16%

0.11%

0.14%

0.17%

2023 2024 2025

CORE UBPR Peer Internal Peer CORE UBPR Peer Internal Peer CORE UBPR Peer Internal Peer

(1) UBPR used throughout this presentation represents all

commercial banks with total assets between $3 billion and

$10 billion as published by the FDIC in its quarterly Uniform

Bank Performance Report.

(2) See Internal Peer List on Slide 41

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Balance Sheet

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 24

Asset Growth Since 1990 2025 Compounded Annual Growth Rate (“CAGR”) of 7.34% since 1990

$0.55

$1.21

$3.93

$5.24

$7.04

$0.25

$1.25

$2.25

$3.25

$4.25

$5.25

$6.25

$7.25

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

CAGR = 7.34%

Total Assets ($B)

COMPANY

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Total Company Loans

Total loans remained steady at $5.4B, from 2024

Total Core Bank loan growth of $180M, or 3.5%, over 2024

Well diversified loan portfolio

Commercial Real Estate

$1,798 33%

Home Equity

$414 8%

Residential Real Estate OO

$1,040 19% Residential Real Estate NOO

$283 5%

Aircraft

3% $203

Warehouse Lines of Credit

$754 14%

RPG Loans

$146 3%

Commercial & Industrial

$529 10%

Construction and Land

Development

$238

All Other

$41

Loan Balances* as of 12-31-25 ($M)

* Reclassified $82 million of loans and

leases during 4Q25 from held for

investment to held for sale.

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e

Core Bank Interest Bearing

71% $3,707

RPG Interest Bearing

6% $323

Total Company Deposits Total deposits stayed steady at $5.2B compared to 2024

Total Core Bank deposit growth of $203M, or 4.4%

Core Bank Non-Interest Bearing

21% $1,102

RPG Bank Non-Interest Bearing

$71 2%

Deposit Balances as of 12-31-25 ($M)

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 27

Capital Levels – RB&TC Capital levels remain among the best in the industry

13.3% 13.3% 14.2%

10.1% 10.3% 10.6%

5.0%

Tier-1 Leverage Ratio

RB&TC UBPR Peer Well-capitalized

14.3% 14.9% 15.6%

13.0% 13.2% 13.5%

6.5%

12-31-23 12-31-24 12-31-25

12-31-23 12-31-24 12-31-25 12-31-23 12-31-24 12-31-25

Tier-1 Risk-based

Ratio

Common Equity Tier 1

Capital Ratio

Total Risk-based Capital

15.5% 16.1% 16.8%

14.1% 14.3% 14.6%

10.0%

14.3% 14.9% 15.6%

13.0% 13.2% 13.5%

8.0%

12-31-23 12-31-24 12-31-25

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 28

Dividends 2025 Compounded Annual Growth Rate (“CAGR”) of 11.73% since 1999

$0.09 $0.12 $0.14 $0.16 $0.20 $0.21 $0.24

$0.29

$0.35

$0.41

$0.46

$0.51 $0.55 $0.59

$0.64

$1.10

$0.68

$0.73 $0.77 $0.81

$0.86

$0.95

$1.03

$1.12

$1.23

$1.36

$1.50

$1.63

$1.80

$0.20

$0.40

$0.60

$0.80

$1.00

$1.20

$1.40

$1.60

$1.80

$2.00

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025 *Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared.

Regular Dividend Special Dividend

CAGR = 11.73% *

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 29

Logan Pichel

President & CEO

Republic Bank & Trust

Company

STRATEGIC PRIORITIES

Logan Pichel, President & CEO

Republic Bank & Trust Company

2026 Q1 RESULTS (Quarter ended March 31, 2026)

Logan Pichel, President & CEO

Republic Bank & Trust Company

2025 FINANCIAL HIGHLIGHTS

Steve Trager, Executive Chair & CEO

Republic Bancorp

BUSINESS OVERVIEW

Steve Trager, Executive Chair & CEO

Republic Bancorp

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 30

Total Company Highlights 1Q26

Net Income for 1Q26 was $42.6M, a $4.7M, or 10% decrease in Net

Income versus 1Q25

Diluted Earnings Per Class A Common Share decreased 10% to $2.18

Net Income ($M) Net Income by Segment ($M)

$47.3

$42.6

1Q25 1Q26

-10%

1Q25 1Q26 1Q25 1Q26

$15.7

$1.7

$19.6

$2.9

$7.4

$21.3

$2.5

$9.7

$2.1

$7.0

Trad Bank CORE Warehouse TRS RPS RCS

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 31

Total Company Highlights 1Q26

Adjusted Net Income for 1Q26 was $39.9M, a $1.0M, or 3% increase in

Net Income versus 1Q25

Adjusted Diluted Earnings Per Class A Common Share increased 3% to

$2.04

*Refer to Appendix for Non-GAAP reconciliations.

*Adjusted Net Income ($M) *Adjusted Net Income by Segment ($M)

$38.9

$39.9

+3%

1Q25 1Q26

1Q25 1Q26 1Q25 1Q26

$15.7

$1.7

$11.2

$2.9

$7.4

$18.6

$2.5

$9.7

$2.1

$7.0

Trad Bank CORE Warehouse TRS RPS RCS

Core Bank +21% RPG -12%

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e

3.70%

6.28%

3.96%

5.46%

Core Bank Total Company

$85.0

$90.5

Adjusted Net Interest Income increased $5.5M, or 7% versus 1Q25

Core Bank Net Interest Margin improved 26 basis points, or 7%

*Refer to Appendix for Non-GAAP reconciliations.

Total Company Highlights 1Q26

Total Company

*Adjusted Net Interest Income ($M)

1Q25 1Q26

+7%

Net Interest Margin (NIM)

1Q25 1Q26

CORE

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 33

Total Company Highlights

1Q26

Noninterest Income ($M)

$24.4 $24.2

$8.8 $5.8

Infrequent Items

$33.2

$30.0

1Q25 1Q26

$51.5 $53.0

$6.7 $2.3

$58.2 Infrequent Items

$55.3

1Q25 1Q26

Non-Interest Income, excluding infrequent and nonrecurring items of $8.8M

for 1Q25 and $5.8M for 1Q26, decreased slightly -0.8% versus 1Q25.

Non-Interest Expense, excluding infrequent and nonrecurring items of $6.7M

for 1Q25 and $2.3M for 1Q26, increased a moderate 2.9% versus 1Q25

Non-Interest Expense ($M)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 34

Logan Pichel

President & CEO

Republic Bank & Trust

Company

STRATEGIC PRIORITIES

Logan Pichel, President & CEO

Republic Bank & Trust Company

2026 Q1 RESULTS (Quarter ended March 31, 2026)

Logan Pichel, President & CEO

Republic Bank & Trust Company

2025 FINANCIAL HIGHLIGHTS

Steve Trager, Executive Chair & CEO

Republic Bancorp

BUSINESS OVERVIEW

Steve Trager, Executive Chair & CEO

Republic Bancorp

P a g e

2026STRATEGIC

priorities

CREATE A BEST-IN-CLASS

CLIENT/ASSOCIATE

EXPERIENCE

INNOVATE FOR THE FUTURE

INCREASE PRUDENT +

PROFITABLE REVENUE-GENERATING ACTIVITIES

CONTINUALLY IMPROVE

OPERATIONAL EFFICIENCY

CONTINUED INVESTMENT IN

ASSOCIATE DEVELOPMENT

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 36

OUR MISSION

W H Y W E E X I S T :

clients

NPS scores = 73

(Exceeds 2x Industry Average)

associates

Engagement favorability=81%

Kentucky’s Best Place to Work

(10 consecutive years)

communities

Top 10 most philanthropic

company in Louisville

(only bank in top 10)

company

3/31/2026 2YR Shareholder Total

Return=45.9%

(#2 of internal peer banks)

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 37

company

AVERAGE 29.8% 15.4%

MEDIAN 27.9% 14.2%

FINANCIAL INSTITUTION 2 YR Total

Return

1 YR Total

Return TICKER 2 YR Total

Return Rank

1 YR Total

Return Rank

RBCCA 2 45.9% 8 13.5%

CTBI Community Trust Bancorp Inc 1 53.4% 2 25.0%

SYBT Stock Yards Bancorp Inc 4 40.8% 12 -2.3%

SRCE 1

st Source Corp 5 38.7% 4 18.7%

PRK Park National Corp 6 28.0% 9 11.7%

GABC German American Bancorp Inc 7 27.9% 6 14.8%

SBCF Seacoast Banking Corp of Florida 8 25.8% 3 20.7%

PEBO Peoples Bancorp Inc 9 23.6% 5 17.1%

CHCO City Holding Co 10 21.1% 10 4.6%

MVBF MVB Financial Corp 11 18.4% 1 47.4%

LKFN Lakeland Financial Corp 12 -7.9% 11 -0.2%

FBK FB Financial Corp 3 42.2% 7 13.7%

As of March 31, 2026

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 38

Dividends 1st quarter 2026 dividend of $0.495 per Class A common share

represents an annualized dividend of $1.98, a 10% increase over 2025

$0.09 $0.12 $0.14 $0.16 $0.20 $0.21 $0.24

$0.29

$0.35

$0.41

$0.46

$0.51 $0.55 $0.59

$0.64

$1.10

$0.68

$0.73 $0.77 $0.81

$0.86

$0.95

$1.03

$1.12

$1.23

$1.36

$1.50

$1.63

$1.80

$1.98

$0.20

$0.40

$0.60

$0.80

$1.00

$1.20

$1.40

$1.60

$1.80

$2.00

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

2026 *Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared.

Regular Dividend Special Dividend

*Regular dividend for 2026 reflects annualized 1st quarter 2026 dividend declared.

P a g e

Thank you! | Questions?

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 40

Appendix

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 41

Appendix - Internal Peer Banks

Annual Net Charge-offs

Company Ticker 2023 2024 2025

Lakeland Financial Corp LKFN 0.13% 0.05% 0.55%

Community Trust Bancorp CTBI 0.08% 0.13% 0.16%

1st Source Corporation SRCE -0.04% 0.09% 0.06%

Park National Corporation PRK 0.07% 0.14% 0.08%

FB Financial Corporation FBK 0.01% 0.14% 0.06%

Stock Yards Bancorp Inc. SYBT 0.12% 0.02% 0.01%

MVB Financial Corp MVBF 0.40% 0.20% 0.26%

German American Bancorp GABC 0.08% 0.05% 0.05%

Peoples Bank PEBO 0.15% 0.37% 0.45%

City Holding Company CHCO 0.01% 0.06% 0.02%

Seacoast Banking Corporation of Florida SBCF 0.22% 0.27% 0.12%

Average Net Charge-offs to Average Total Loans 0.11% 0.14% 0.17%

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 42

Appendix – Non-GAAP Disclosures

Three Months Ended March 31, (in millions) 2025 2026

Noninterest income - GAAP (a) $ 33.2 $ 30.0

Less: Gain on sale of Visa Class B-1 shares (b) $ 4.1 $ -

Less: Insurance recovery (b) $ 1.6 $ -

Less: Gain on sale of RBF (b) $ - $ 5.8

Less: RT Fees related to Nonrenewal of a Large Tax Provider Contract (b) $ 3.1 $ -

Total adjusted Total Company Noninterest Income - Non-GAAP (a-b) $ 24.4 $ 24.2

Three Months Ended March 31, (in millions) 2025 2026

Noninterest expense - GAAP (a) $ 58.20 $ 55.30

Less: Core-related conversion expenses (b) $ 5.70 $ -

Less: FHLB prepayment expense (b) $ - $ 2.30

Less: Noninterest expense related to nonrenewal of a large tax provider

contract (b) $ 1.00 $ -

Total adjusted Total Company Noninterest Income - Non-GAAP (a-b) $ 51.50 $ 53.00

Total Company NonInterest Income

Total Company NonInterest Expense

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 43

Appendix – Non-GAAP Disclosures

Total Company Net Income and Diluted EPS (Class A)

Segment Net Income

Total Company Net Income Total Company Diluted Earnings Per Class A Common Share

Three Months Ended Mar. 31, $ % Three Months Ended Mar. 31, $ %

(dollars in thousands, except per share data) 2026 2025 Change Change 2026 2025 Change Change

Net Income, As Reported (GAAP) $ 42,569 $ 47,268 $ (4,699) (10)% $ 2.18 $ 2.42 $ (0.24) (10)%

Gain on Sale of Republic Bank Finance, net of tax (4,435) - (4,435) - (0.24) - (0.24) -

Early Termination Penalty - FHLB Advances, net of tax 1,757 - 1,757 - 0.10 - 0.10 -

Nonrenewal of a Large Tax Provider Contract, net of tax - (8,438) 8,438 - - (0.44) 0.44 -

Gain on sale of Visa Class B-1 Common Shares, net of tax - (3,287) 3,287 - - (0.17) 0.17 -

Insurance Recovery, net of tax - (1,263) 1,263 - - (0.06) 0.06 -

Core Deconversion and Consulting Fees, net of tax - 4,593 (4,593) - - 0.24 (0.24) -

Adjusted Net Income (Non-GAAP) $ 39,891 $ 38,873 $ 1,018 3 % $ 2.04 $ 1.99 $ 0.05 3 %

Core Bank Net Income Republic Processing Group Net Income

Three Months Ended Mar. 31, $ % Three Months Ended Mar. 31, $ %

(dollars in thousands, except per share data) 2026 2025 Change Change 2026 2025 Change Change

Net Income, As Reported (GAAP) $ 23,759 $ 17,361 $ 6,398 37 % $ 18,810 $ 29,907 $ (11,097) (37)%

Gain on Sale of Republic Bank Finance, net of tax (4,435) - (4,435) - - - - -

Early Termination Penalty - FHLB Advances, net of tax 1,757 - 1,757 - - - - -

Nonrenewal of a Large Tax Provider Contract, net of tax - - - - - (8,438) 8,438 -

Gain on sale of Visa Class B-1 Common Shares, net of tax - (3,287) 3,287 - - - - -

Insurance Recovery, net of tax - (1,263) 1,263 - - - - -

Core Deconversion and Consulting Fees, net of tax - 4,593 (4,593) - - - - -

Adjusted Net Income (Non-GAAP) $ 21,081 $ 17,404 $ 3,677 21 % $ 18,810 $ 21,469 $ (2,659) (12)%

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 44

Appendix – Non-GAAP Disclosures

Three Months Ended March 31, (in millions) 2025 2026

Net income - GAAP (a) $ 15.7 $ 21.3

Less: Gain on sale of Visa Class B-1 shares (b) $ 3.3 $ -

Less: Insurance recovery (b) $ 1.3 $ -

Less: Gain on sale of RBF (b) $ - $ 4.4

Add: Early Termination Penalty - FHLB Advances (b) $ - $ 1.7

Add: Core Deconversion and Consulting fees (b) $ 4.6 $ -

Total adjusted Net Income - Non-GAAP (a-b) $ 15.7 $ 18.6

Three Months Ended March 31, (in millions) 2025 2026

Net Income - GAAP (a) $ 19.60 $ 9.70

Less: Nonrenewal of a Large Tax Provider Contract (b) $ 8.40 $ -

Total adjusted Net Income - Non-GAAP (a-b) $ 11.20 $ 9.70

Segment Net Income – Traditional Bank

Segment Net Income – TRS

Note: Warehouse, RPS, and RCS did not have any non-GAAP

adjustments for the periods presented.

COMPANY

A N N U A L M E E T I N G O F S H A R E H O L D E R S | A p r i l 2 3 , 2 0 2 6 | L o u i s v i l l e , K e n t u c k y P a g e 45

Appendix – Non-GAAP Disclosures

Three Months Ended March 31, (in millions) 2025 2026

Net Interest Income - GAAP (a) $ 102.7 $ 90.5

Less: Nonrenewal of a Large Tax Provider Contract (b) $ 17.7 $ -

Total adjusted Net Income - Non-GAAP (a-b) $ 85.0 $ 90.5

Net Interest Income – Total Company

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XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 52

v3.26.1

Document and Entity Information

Apr. 23, 2026

Document and Entity Information [Abstract]

Document Type

8-K

Document Period End Date

Apr. 23, 2026

Entity Registrant Name

REPUBLIC BANCORP, INC.

Entity Incorporation, State or Country Code

Entity File Number

0-24649

Entity Tax Identification Number

61-0862051

Entity Address, Address Line One

601 West Market Street

Entity Address, City or Town

Louisville

Entity Address, State or Province

Entity Address, Postal Zip Code

40202

City Area Code

502

Local Phone Number

584-3600

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Class A Common

Trading Symbol

RBCAA

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Entity Central Index Key

0000921557

Amendment Flag

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

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No definition available.

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- Definition

Area code of city

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- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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No definition available.

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- Definition

Address Line 1 such as Attn, Building Name, Street Name

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Name of the City or Town

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- Definition

Code for the postal or zip code

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- Definition

Name of the state or province.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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-Publisher SEC

-Name Exchange Act

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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- Definition

Local phone number for entity.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

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Balance Type:

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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- References

No definition available.

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