Republic Bancorp RBCAA Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Revenue by Business | ||||||
| Republic Credit Solutions Division | $16.53M+6.0% | $15.47M-5.5% | $16.38M-7.2% | $16.36M+4.9% | $15.59M+1.3% | |
| Republic Payment Solutions | $3.82M-19.9% | $3.88M+14.2% | $3.98M+7.0% | $4.3M+16.5% | $4.76M+11.2% | |
| Tax Refund Solutions | $21.04M-51.9% | $460K-80.9% | $1.44M+36.8% | $2.79M-40.9% | $43.76M+4.7% | |
| Warehouse Lending | $3.92M+28.7% | $4.26M+13.9% | $3.83M+6.4% | $3.57M+22.0% | $3.05M+34.3% | |
| Net Income Loss by Business | ||||||
| Republic Credit Solutions Division | $7.04M-4.9% | $6.31M+3.3% | $7.22M+14.9% | $7.04M+40.1% | $7.4M+20.9% | |
| Republic Payment Solutions | $2.06M-28.8% | $2.01M+17.4% | $2.25M+3.3% | $2.44M+16.3% | $2.9M+12.8% | |
| Tax Refund Solutions | $9.71M-50.5% | $0— | $459K-50.1% | $3.31M+7.8% | $19.61M+123% | |
| Warehouse Lending | $2.51M+52.0% | $2.24M-1.2% | $2.35M+17.1% | $1.83M+32.5% | $1.65M+96.5% | |
| Noninterest Income Other Operating Income Segment Reporting by Business | ||||||
| Republic Credit Solutions Division | $1K0.0% | $1K0.0% | $1K0.0% | $0-100% | $1K0.0% | |
| Republic Payment Solutions | $2K— | $150K+7,400% | $1K-99.3% | $1K0.0% | $0-100% | |
| Tax Refund Solutions | $83K+53.7% | $17K+13.3% | $38K+40.7% | $156K+108% | $54K-14.3% | |
| Warehouse Lending | $24K+20.0% | $19K-5.0% | $21K+31.3% | $23K+76.9% | $20K+53.8% | |
| Segment Reporting Other Item Amount by Business | ||||||
| Republic Credit Solutions Division | $124K+17.0% | $96K-76.0% | $74K+72.1% | $116K-20.0% | $106K+60.6% | |
| Republic Payment Solutions | $154K-9.9% | $129K-42.7% | $158K-14.1% | $112K-8.9% | $171K-2.3% | |
| Tax Refund Solutions | $527K-25.1% | $537K-26.9% | $289K+61.5% | $246K+31.6% | $704K-54.6% | |
| Warehouse Lending | $134K+17.5% | $172K-1.7% | $144K+33.3% | $141K+5.2% | $114K-14.3% | |
| Noninterest Income by Business | ||||||
| Republic Credit Solutions Division | $3.77M+23.5% | $3.78M+8.7% | $4.11M-1.7% | $3.72M+2.1% | $3.06M-10.3% | |
| Republic Payment Solutions | $778K+1.4% | $815K+1.4% | $782K-16.2% | $736K-3.3% | $767K-0.9% | |
| Tax Refund Solutions | $9.61M-31.1% | $125K-20.9% | $1.16M+89.7% | $2.72M-29.9% | $13.95M+28.2% | |
| Warehouse Lending | $24K+20.0% | $19K-5.0% | $21K+31.3% | $23K+76.9% | $20K+53.8% | |
| Net Revenue Concentration Percentage by Business | ||||||
| Republic Credit Solutions Division | 14%+3.0pp | —— | 18%-2.0pp | 17%-1.0pp | 11%-2.0pp | |
| Republic Payment Solutions | 3%-1.0pp | —— | 4%0.0pp | 5%+1.0pp | 4%0.0pp | |
| Tax Refund Solutions | 17%-15.0pp | —— | 2%+1.0pp | 3%-2.0pp | 32%-3.0pp | |
| Warehouse Lending | 3%+1.0pp | 1%— | 4%0.0pp | 4%+1.0pp | 2%0.0pp | |
| Income Tax Expense Benefit by Business | ||||||
| Republic Credit Solutions Division | $1.97M-5.0% | $1.78M+3.8% | $2.02M+15.7% | $1.97M+39.1% | $2.07M+11.9% | |
| Republic Payment Solutions | $576K-28.5% | $569K+14.5% | $624K+4.9% | $679K+18.3% | $806K+5.9% | |
| Tax Refund Solutions | $2.72M-50.5% | $0— | $95K-49.7% | $901K+13.2% | $5.5M+103% | |
| Warehouse Lending | $792K+65.0% | $653K-1.2% | $684K+17.1% | $533K+32.3% | $480K+96.7% | |
| Number Of Reportable Segments by Business | ||||||
| Core Banking Activities | 20.0% | —— | —— | —— | 20.0% | |
| Republic Processing Group | 30.0% | —— | —— | —— | 30.0% | |
| Interest Income Expense Net by Business | ||||||
| Republic Credit Solutions Division | $12.76M+1.8% | $11.69M-9.3% | $12.27M-9.0% | $12.65M+5.8% | $12.53M+4.6% | |
| Republic Payment Solutions | $3.04M-24.0% | $3.06M+18.1% | $3.19M+14.7% | $3.56M+21.6% | $3.99M+13.9% | |
| Tax Refund Solutions | $11.43M-61.7% | $335K-85.1% | $280K-36.4% | $62K-92.5% | $29.81M-3.6% | |
| Warehouse Lending | $3.9M+28.8% | $4.24M+14.0% | $3.81M+6.3% | $3.55M+21.8% | $3.03M+34.2% | |
| Occupancy Net by Business | ||||||
| Republic Credit Solutions Division | $5K0.0% | $5K-28.6% | $5K-28.6% | $5K-28.6% | $5K-28.6% | |
| Republic Payment Solutions | $6K+20.0% | $5K-28.6% | $5K-28.6% | $5K-28.6% | $5K-28.6% | |
| Tax Refund Solutions | $67K+9.8% | $63K-23.2% | $61K-28.2% | $60K-29.4% | $61K-32.2% | |
| Warehouse Lending | $31K+3.3% | $32K— | $34K-15.0% | $30K+30.4% | $30K+66.7% | |
| Total Assets by Business | ||||||
| Republic Credit Solutions Division | $142.89M+10.0% | $123.24M-7.9% | $119.31M-16.6% | $130.7M-7.1% | $129.88M-2.0% | |
| Republic Payment Solutions | $349.83M-9.5% | $314.81M-6.1% | $310.22M-15.7% | $346.59M-4.4% | $386.36M-5.0% | |
| Tax Refund Solutions | $69.71M-63.7% | $32.17M-85.2% | $22.67M-14.5% | $32.77M+2.1% | $192.04M+80.5% | |
| Warehouse Lending | $629.88M+10.5% | $754.56M+36.8% | $610.16M+2.4% | $672.17M+22.3% | $569.86M+22.9% | |
| Noninterest Expense by Business | ||||||
| Republic Credit Solutions Division | $3.48M+10.5% | $3.17M-13.7% | $3.16M-2.9% | $2.37M-40.1% | $3.15M-2.7% | |
| Republic Payment Solutions | $1.18M+11.2% | $1.29M+9.4% | $1.11M+16.7% | $1.18M+15.8% | $1.06M+11.1% | |
| Tax Refund Solutions | $3.27M+1.3% | $2.79M-1.0% | $2.35M+4.3% | $2.5M+23.7% | $3.22M-28.6% | |
| Warehouse Lending | $936K+7.3% | $1M+9.1% | $945K+6.3% | $951K+2.6% | $872K-0.7% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| Republic Credit Solutions Division | $9.01M-4.9% | $8.09M+3.4% | $9.25M+15.1% | $9.02M+39.9% | $9.48M+18.8% | |
| Republic Payment Solutions | $2.64M-28.8% | $2.58M+16.7% | $2.87M+3.6% | $3.12M+16.7% | $3.7M+11.2% | |
| Tax Refund Solutions | $12.43M-50.5% | $0— | $554K-50.0% | $4.21M+8.9% | $25.11M+118% | |
| Warehouse Lending | $3.3M+55.0% | $2.9M-1.2% | $3.04M+17.1% | $2.37M+32.5% | $2.13M+96.6% | |
| Fees And Commissions Programs by Business | ||||||
| Republic Credit Solutions Division | $3.77M+23.5% | $3.78M+8.7% | $4.11M-1.7% | $3.72M+2.1% | $3.06M-10.3% | |
| Republic Payment Solutions | $776K+1.2% | $665K-17.1% | $781K-0.6% | $735K-3.3% | $767K-0.8% | |
| Marketing Expense by Business | ||||||
| Republic Credit Solutions Division | $1.13M+10.4% | $778K-31.2% | $1.01M-14.4% | -$10K-101% | $1.02M-20.3% | |
| Tax Refund Solutions | $57K-24.0% | $43K-56.6% | $47K-71.5% | $103K+590% | $75K-51.6% | |
| Financing Receivable And Net Investment In Lease Excluding Accrued Interest Before Allowance For Credit Loss by Business | ||||||
| Republic Credit Solutions Division | $131.68M+11.8% | $113.55M-11.8% | $112.95M-16.1% | $119M-5.6% | $117.75M-9.4% | |
| Tax Refund Solutions | $9.16M-74.7% | $32.4M-83.0% | $292K-3.3% | $95K+3.3% | $36.19M-37.1% | |
| Warehouse Lending | $629.85M+10.6% | $754.09M+36.9% | $609.83M+2.5% | $671.77M+22.4% | $569.5M+22.9% | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal by Business | ||||||
| Republic Credit Solutions Division | $4.04M+36.3% | —— | $3.97M-37.6% | $4.98M-4.1% | $2.97M-29.0% | |
| Tax Refund Solutions | $5.32M-65.3% | $0-100% | -$1.45M+37.1% | -$3.93M-240% | $15.34M-40.4% | |
| Warehouse Lending | -$311K-762% | $360K— | -$154K-233% | $255K+19.2% | $47K-84.8% | |
| Labor And Related Expense by Business | ||||||
| Republic Credit Solutions Division | $1.23M+16.9% | $1.37M+17.8% | $1.09M+5.8% | $1.2M+0.3% | $1.05M-1.0% | |
| Republic Payment Solutions | $999K+15.2% | $1.11M+25.0% | $916K+21.2% | $1.04M+20.6% | $867K+12.9% | |
| Tax Refund Solutions | $2.53M+14.9% | $2.07M+16.7% | $1.86M+6.4% | $1.96M+14.1% | $2.2M-13.8% | |
| Warehouse Lending | $723K+4.3% | $752K+5.2% | $719K+3.2% | $735K+1.0% | $693K-1.7% | |
| Financing Receivable And Net Investment In Lease Excluding Accrued Interest Allowance For Credit Loss Recovery by Business | ||||||
| Core Banking Activities | $155K+14.8% | $81K+105% | $81K-83.9% | $157K+57.0% | $135K+167% | |
| Traditional Banking | $155K+14.8% | $81K+149% | $81K-83.9% | $157K+57.0% | $135K+167% | |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss by Business | ||||||
| Republic Credit Solutions Division | $131.68M+11.8% | $113.55M-11.8% | $112.95M-16.1% | $119M-5.6% | $117.75M— | |
| Tax Refund Solutions | $8.46M-72.1% | $19.47M-86.0% | $292K-3.3% | $95K+3.3% | $30.34M— | |
| Warehouse Lending | $629.85M+10.6% | $754.09M+36.9% | $609.83M+2.5% | $671.77M+22.4% | $569.5M+22.9% | |
| Financing Receivable And Net Investment In Lease Excluding Accrued Interest Credit Loss Expense Reversal by Business | ||||||
| Core Banking Activities | $394K+155% | $6.42M+1,626% | -$479K-130% | $772K-32.0% | -$722K-208% | |
| Traditional Banking | $705K+192% | $6.06M+1,152% | -$325K-122% | $517K-43.9% | -$769K-315% | |
| Gain Loss On Sale Of Loans And Leases by Business | ||||||
| Core Banking Activities | $5.85M— | —— | —— | —— | —— | |
| Traditional Banking | $5.85M— | —— | —— | —— | —— | |
| Financing Receivable And Net Investment In Lease Allowance For Credit Loss Excluding Accrued Interest by Business | ||||||
| Core Banking Activities | $65.61M+8.9% | $65.54M+7.2% | $60M-1.7% | $60.73M-0.8% | $60.27M-0.1% | |
| Traditional Banking | $64.04M+8.8% | $63.66M+6.5% | $58.48M-1.8% | $59.06M-1.4% | $58.85M-0.5% | |
| Deposits Domestic by Business | ||||||
| Republic Credit Solutions Division | $59.31M+0.3% | $58.69M+12.7% | $59.43M+9.5% | $52.03M-30.8% | $59.15M-17.2% | |
| Republic Payment Solutions | $349.83M-9.5% | $314.81M-6.0% | $310.22M-15.6% | $346.59M-4.3% | $386.36M+15.3% | |
| Tax Refund Solutions | $63.28M-64.6% | $20.46M-90.6% | $22.61M-14.4% | $31.37M-1.8% | $178.51M+3.9% | |
| Warehouse Lending | $40.08M+0.3% | $44.88M+30.4% | $36.57M-1.2% | $37.7M+8.8% | $39.96M+13.6% | |
| Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Recovery by Business | ||||||
| Republic Credit Solutions Division | $301K-14.0% | —— | $369K+12.8% | $380K+40.7% | $350K-5.4% | |
| Tax Refund Solutions | $669K-3.2% | $894K-58.5% | $1.45M-37.1% | $3.01M-20.7% | $691K+151% | |
| Financing Receivable And Net Investment In Lease Excluding Accrued Interest Allowance For Credit Loss Writeoff by Business | ||||||
| Core Banking Activities | $481K+77.5% | $960K+118% | $332K-85.6% | $470K+41.6% | $271K-29.1% | |
| Traditional Banking | $481K+77.5% | $960K+118% | $332K-85.6% | $470K+41.6% | $271K-29.1% | |
| Mortgage Banking Income by Business | ||||||
| Core Banking Activities | $1.83M+0.2% | $1.62M+11.4% | $2.06M+0.1% | $1.9M+17.6% | $1.82M+487% | |
| Traditional Banking | $1.83M+0.2% | $1.62M+11.4% | $2.06M+0.1% | $1.9M+17.6% | $1.82M+487% | |
| Communications And Information Technology by Business | ||||||
| Republic Credit Solutions Division | $987K+2.9% | $917K-5.4% | $984K-1.5% | $1.05M+21.7% | $959K+18.2% | |
| Republic Payment Solutions | $20K+17.6% | $19K— | $26K— | $27K— | $17K+325% | |
| Tax Refund Solutions | $89K-51.9% | $82K-37.9% | $96K+23.1% | $132K+154% | $185K+10.1% | |
| Warehouse Lending | $48K+37.1% | $44K+18.9% | $48K+9.1% | $45K+7.1% | $35K+59.1% | |
| Noninterest Bearing Deposit Liabilities Domestic by Business | ||||||
| Core Banking Activities | $1.16B+1.3% | $1.1B-1.9% | $1.17B+1.0% | $1.15B-1.6% | $1.15B-2.6% | |
| Republic Processing Group | $111.02M-50.9% | $71.42M-15.5% | $69.25M-32.2% | $71.51M-34.8% | $225.88M+26.0% | |
| Interest Bearing Deposit Liabilities Domestic by Business | ||||||
| Core Banking Activities | $3.87B+6.6% | $3.71B+6.4% | $3.78B+8.0% | $3.74B+8.9% | $3.63B-0.8% | |
| Republic Processing Group | $361.4M-9.2% | $322.55M-37.9% | $323.01M-6.6% | $358.49M-0.2% | $398.14M-0.2% | |
| Financing Receivable Recorded Investment Nonaccrual Status by Business | ||||||
| Core Banking Activities | $31.78M+39.8% | $23.81M+5.2% | $21.57M+11.3% | $21.54M+8.2% | $22.73M+18.0% | |
| Traditional Banking | $31.78M+39.8% | $23.81M+5.2% | $21.57M+11.3% | $21.54M+8.2% | $22.73M+18.0% | |
| Provision For Loan Lease And Other Losses by Business | ||||||
| Republic Credit Solutions Division | $4.04M+36.3% | $4.22M-13.6% | $3.97M-37.6% | $4.98M-4.1% | $2.97M-29.0% | |
| Tax Refund Solutions | $5.34M-65.4% | $0-100% | -$1.47M+36.5% | -$3.93M-233% | $15.43M-40.1% | |
| Warehouse Lending | -$311K-762% | $360K— | -$154K-233% | $255K+19.2% | $47K-84.8% | |
| Interest Bearing Domestic Deposit Money Market by Business | ||||||
| Core Banking Activities | $1.56B+14.2% | $1.5B+15.6% | $1.51B+22.9% | $1.39B+21.7% | $1.36B+26.3% | |
| Republic Processing Group | $24.69M+10.8% | $22.97M+1.4% | $23.14M-4.8% | $24.09M+0.9% | $22.29M+15.0% | |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest by Business | ||||||
| Republic Credit Solutions Division | $19.88M-0.8% | $19.48M-7.2% | $19.86M-6.0% | $21.03M+8.1% | $20.05M+9.6% | |
| Tax Refund Solutions | $6.28M-75.7% | $296K-97.0% | $1K0.0% | —— | $25.82M-13.7% | |
| Warehouse Lending | $1.57M+10.6% | $1.88M+37.0% | $1.52M+2.4% | $1.68M+22.3% | $1.42M+22.9% | |
| Bank Owned Life Insurance Income by Business | ||||||
| Core Banking Activities | $930K+17.3% | $947K+13.3% | $1.04M+25.3% | $821K+3.7% | $793K+5.2% | |
| Traditional Banking | $930K+17.3% | $947K+13.3% | $1.04M+25.3% | $821K+3.7% | $793K+5.2% | |
| Interest Bearing Domestic Deposit Brokered by Business | ||||||
| Core Banking Activities | $87.45M+0.2% | $87.42M+0.2% | $87.38M+0.2% | $218.75M+151% | $87.32M-75.0% | |
| Republic Processing Group | $17.07M-1.1% | $12.73M-93.6% | $13.3M— | $14.34M— | $17.25M— | |
| Federal Home Loan Bank Advances Termination Penalties by Business | ||||||
| Core Banking Activities | $2.32M— | —— | —— | —— | —— | |
| Traditional Banking | $2.32M— | —— | —— | —— | —— | |
| Revenue by Product | ||||||
| Credit And Debit Card | $2.87M-6.6% | $2.88M-9.1% | $3.03M-7.8% | $3.2M-4.5% | $3.08M-2.5% | |
| Deposit Account | $3.88M+12.2% | $3.83M+4.7% | $3.65M-1.3% | $3.51M-0.6% | $3.46M+4.4% | |
| Financial Service Other | $579K-74.3% | $1.68M+167% | $840K-42.3% | $1.26M+39.0% | $2.25M+152% | |
| Gain Loss On Other Real Estate Owned | -$50K+5.7% | -$53K-1.9% | -$52K+1.9% | -$53K-10.4% | -$53K0.0% | |
| Transfer Agent | $9.53M-31.4% | $108K-24.5% | $1.12M+91.9% | $2.57M-32.6% | $13.89M+28.4% | |
| Number Of Banks by Geography | ||||||
| Bellevue | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Covington | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Crestview Hills | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Florence | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Floyds Knobs | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Georgetown | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Jeffersonville | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% | |
| Lexington | 50.0% | 50.0% | 50.0% | 50.0% | 50.0% | |
| Metropolitan Cincinnati Ohio | 40.0% | 40.0% | 40.0% | 40.0% | 40.0% | |
| Metropolitan Louisville | 190.0% | 190.0% | 190.0% | 190.0% | 190.0% | |
| Metropolitan Nashville Tennessee | 40.0% | 40.0% | 40.0% | 40.0% | 40.0% | |
| Metropolitan Tampa Florida | 70.0% | 70.0% | 70.0% | 70.0% | 70.0% | |
| New Albany | 10.0% | 10.0% | 10.0% | 10.0% | 10.0% |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does Republic Bancorp break its business down?
- Republic Bancorp (RBCAA) reports revenue by business across 4 parts — Republic Credit Solutions Division, Republic Payment Solutions, Tax Refund Solutions and Warehouse Lending. Each is extracted from the segment footnotes and tracked over time.
- Where does Republic Bancorp's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in Republic Bancorp's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.