Republic Bank & Trust Company
Louisville, Kentucky, Jefferson County
$7.1B in total assets, the 225th largest of 4,309 US banks and 2nd of 120 headquartered in Kentucky.
- FDIC certificate
- 23627
- Established
- 1982
- Owned by
- Republic Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.republicbank.com
At a glance
Compared with 15 banks headquartered in Kentucky with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $7.1B | 98% | $1.9B | |
| Loans | $5.5B | 98% | $1.1B | |
| Deposits | $5.6B | 93% | $1.6B | |
| Return on assets | 1.82% | 80% | 1.27% | |
| Net interest margin | 5.24% | 98% | 3.81% | |
| Efficiency ratio | 48.7% | 13% | 60.8% | |
| Equity to assets | 15.41% | 98% | 10.00% | |
| Loans to deposits | 97% | 98% | 80% |
Growth
Total assets grew 2.7% a year over the last 5 years and 4.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2023 | CBank Cincinnati, OH | $263M |
| May 2016 | Cornerstone Community Bank Saint Petersburg, FL | $248M |
| May 2014 | Republic Bank Port Richey, FL, an affiliate under the same holding company | $119M |
| Sep 2012 | First Commercial Bank Bloomington, MN | $216M |
| Jan 2012 | Tennessee Commerce Bank Franklin, TN | $1.0B |
| Nov 2006 | Republic Bank & Trust Company of Indiana Jeffersonville, IN, an affiliate under the same holding company | $97M |
| Nov 1994 | Republic Savings Bank, FSB Louisville, KY | $442M |
| Nov 1994 | Republic Bank of Shelby County Shelbyville, KY | $84M |
Where they operate
47 branches in 19 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, KY | $3.8B | 11.6% | 3 of 28 |
| Fayette County, KY | $396M | 3.3% | 8 of 31 |
| Pinellas County, FL | $274M | 0.4% | 22 of 33 |
| Hamilton County, OH | $220M | 0.1% | 15 of 32 |
| Hillsborough County, FL | $190M | 0.4% | 23 of 51 |
| Kenton County, KY | $122M | 2.9% | 8 of 18 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (40 to 47, +17.5%). 13 opened, 6 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 40 | |||
| 2016 | Acquired Cornerstone Community BankOpened Cincinnati, closed Blue Ash | 5 | 1 | +4 | 44 |
| 2017 | Opened Lexington | 1 | 0 | +1 | 45 |
| 2018 | Opened Crestview Hills and TampaClosed Crestwood and Independence | 2 | 2 | 0 | 45 |
| 2019 | Opened Louisville and TampaClosed Louisville and Temple Terrace | 2 | 2 | 0 | 45 |
| 2020 | Sold 4 branches to Limestone Bank, Inc.Opened New Port Richey and West Chester, closed Port Richey | 2 | 5 | −3 | 42 |
| 2023 | Acquired CBankOpened 4 in 2 states, closed Nashville | 6 | 1 | +5 | 47 |
| 2025 | Opened LouisvilleClosed Louisville | 1 | 1 | 0 | 47 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 32% | 32% | |
| Commercial real estate | 28% | 31% | |
| Business (C&I) | 11% | 9% | |
| Multifamily | 7% | 7% | |
| Consumer | 5% | 5% | |
| Construction and land | 4% | 9% | |
| Farmland | 0% | 5% | |
| Agricultural | 0% | 1% | |
| Other | 13% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 64% | 55% | |
| Noninterest-bearing | 24% | 22% | |
| Time deposits | 12% | 23% |
Brokered deposits are 1.8% of deposits (peers 2.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.56% | 0.25% |
| Net charge-offs, annualized | 0.46% | 0.01% |
| Reserves to loans | 1.60% | 1.18% |
| Leverage ratio | 14.82% | 10.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kentucky
Largest competitors in Jefferson County, KY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/republic