Republic Bank&Trust Co (FDIC #23627): Bank Stress & Real-Estate Credit Exposure
Republic Bank&Trust Co (FDIC Cert #23627): bank stress 29/100, contained, STABLE over 7 days; parent REPUBLIC BCORP INC.
Republic Bank&Trust Co (#23627) lends in 19 counties across 5 states; Republic Bank&Trust Co (#23627) reaches 403 ZIP codes: Kentucky 8 counties, 109 ZIPs; Tennessee 4 counties, 69 ZIPs; Florida 3 counties, 132 ZIPs; Ohio 2 counties, 72 ZIPs; Indiana 2 counties, 21 ZIPs.
Republic Bank&Trust Co (#23627) largest markets: Hillsborough County, FL (116 branches, 58 ZIPs) (#23627), Hamilton County, OH (174 branches, 58 ZIPs) (#23627), Pinellas County, FL (192 branches, 48 ZIPs) (#23627), Jefferson County, KY (731 branches, 43 ZIPs) (#23627), Davidson County, TN (37 branches, 37 ZIPs) (#23627), Pasco County, FL (32 branches, 32 ZIPs) (#23627).
Republic Bank&Trust Co (#23627) reports $7.05 billion in total assets; Republic Bank&Trust Co (#23627) equity $1.09 billion (15.4% of Republic Bank&Trust Co (#23627) assets); Republic Bank&Trust Co (#23627) domestic deposits $5.63 billion; Republic Bank&Trust Co (#23627) net income $75.8 million; Republic Bank&Trust Co (#23627) return on assets 2.13%; Republic Bank&Trust Co (#23627) return on equity 14.26%; Republic Bank&Trust Co (#23627) net interest income $172.0 million; Republic Bank&Trust Co (#23627) call report June 30, 2026.
Republic Bank&Trust Co (#23627) noncurrent real-estate loans: none reported; Republic Bank&Trust Co (#23627) net charge-offs on real estate 0.77%; Republic Bank&Trust Co (#23627) multifamily charge-offs 1.21%; Republic Bank&Trust Co (#23627) residential charge-offs 0.05%.
Republic Bank&Trust Co (#23627) net interest margin 5.24% against an eight-quarter Republic Bank&Trust Co (#23627) average of 5.45% (Republic Bank&Trust Co (#23627) compression 0.21 points); Republic Bank&Trust Co (#23627) non-residential real estate 4.8% of equity; Republic Bank&Trust Co (#23627) rate-exposure score 40/100, Republic Bank&Trust Co (#23627) fixed-rate trap 40/100; Republic Bank&Trust Co (#23627) risk type rate trapped; Republic Bank&Trust Co (#23627) rate regime rates elevated, Republic Bank&Trust Co (#23627) snapshot October 20, 2026.
Republic Bank&Trust Co (#23627) stress score moved from 24.9 on June 22, 2026 to 28.9 on October 20, 2026; Republic Bank&Trust Co (#23627) ranged 24.9 to 28.9 over 117 snapshots.
Republic Bank&Trust Co (#23627) alerts: 19 counties; top Republic Bank&Trust Co (#23627) alert scores: Franklin County, KY 33 (low); Bellevue County, KY 15 (low); Cincinnati County, KY 15 (low); Florence County, KY 15 (low); Fort Mitchell County, KY 15 (low).