TellerScore

Republic Bank & Trust Company is a state-chartered bank headquartered in Louisville, Kentucky, in business for about 44 years. At the end of Q2 2026 it reported $7.1B in total assets and $5.6B in deposits, with 48 offices across 5 states.

Based on its Q2 2026 filing, Republic Bank & Trust Company scores 84/100, which we describe as strong. That is higher than 95% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 10th. Its strongest component is earnings (100/100; 2.13%), and its lowest is funding & liquidity (31/100; 96% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.82%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings100/100
Return on assets (annualized): 2.13%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 95.7% · 45.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).

TellerScore
778185Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202477
Q1 202581
Q2 202583
Q3 202585
Q4 202581
Q1 202682
Q2 202684
Tier 1 leverage ratio
5.00%9.91%14.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.30%
Q3 202413.54%
Q4 202413.29%
Q1 202512.97%
Q2 202513.78%
Q3 202514.20%
Q4 202514.17%
Q1 202614.13%
Q2 202614.82%
Noncurrent loans
0.37%0.48%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.37%
Q4 20240.42%
Q1 20250.43%
Q2 20250.40%
Q3 20250.41%
Q4 20250.51%
Q1 20260.59%
Q2 20260.56%
Return on assets
1.51%2.12%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.65%
Q4 20241.51%
Q1 20252.72%
Q2 20252.28%
Q3 20252.08%
Q4 20251.89%
Q1 20262.40%
Q2 20262.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$7.1B14.82%0.56%2.13%95.7%
Q1 202682$7.2B14.13%0.59%2.40%95.3%
Q4 202581$7.0B14.17%0.51%1.89%103.9%
Q3 202585$7.0B14.20%0.41%2.08%97.0%
Q2 202583$7.0B13.78%0.40%2.28%99.1%
Q1 202581$7.1B12.97%0.43%2.72%95.6%
Q4 202477$6.8B13.29%0.42%1.51%102.2%
Q3 202479$6.7B13.54%0.37%1.65%101.9%
Q2 202479$6.6B13.30%0.39%1.67%102.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.82%
93rd
Total risk-based capital17.80%
86th
Problem loans0.56%
47th
Net charge-offs0.46%
9th
Return on assets2.13%
92nd
Net interest margin5.24%
96th
Efficiency ratio48.7%
80th
Loans to deposits95.7%
24th
Uninsured deposits45.6%
16th
Loan-loss reserves1.60%
90th
Texas ratio2.7%
61st

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Central Bank & Trust Co.Bank Lexington, KY76 out of 100, Strong$4.0B12.4%0.21%vs
Independence Bank of KentuckyBank Owensboro, KY69 out of 100, Moderate$3.8B9.4%0.12%vs
Traditional Bank, Inc.Bank Mount Sterling, KY73 out of 100, Strong$2.4B10.6%0.25%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs
Heritage Bank, Inc.Bank Burlington, KY65 out of 100, Moderate$2.0B9.0%0.47%vs

Deposit insurance

Is my money safe at Republic Bank & Trust Company?

Yes. Republic Bank & Trust Company is an FDIC-insured institution (FDIC certificate #23627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.6% of deposits ($2.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.80% (benchmark: 10%).

Check how much of your own balance is covered

48 locations

Branches

Republic Bank & Trust Company lists 47 offices in 26 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Republic Bank & Trust Company reported 3,846 home-loan applications under HMDA (LEI X6T32LKEPUT8LQMW6755): 2,475 originated ($589,605,000 total), 363 denied, and 962 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Republic Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
23627
RSSD ID
316840
Primary regulator
FDIC
Holding company
Republic Bcorp Inc
Established
January 11, 1982
Headquarters
601 W Market St, Louisville, KY 40202
Employees
958

Quick answers

Republic Bank & Trust Company: common questions

Is Republic Bank & Trust Company FDIC insured?

Yes. Republic Bank & Trust Company is an FDIC-insured institution (FDIC certificate #23627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Republic Bank & Trust Company's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Republic Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #23627 in the FDIC failed bank list.

How many branches does Republic Bank & Trust Company have?

48 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
Louisville Federal Credit UnionCredit union Louisville, KY81 out of 100, Strong$37.2M20.1%0.84%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs