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LOANS AND ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | $ 70,413 | $ 64,577 | $ 61,067
Provision | 47,624 | 22,385 | 14,939
Charge-offs | (141) |  |
Charge-offs | (41,214) | (24,369) | (16,474)
Recoveries | 5,091 | 7,820 | (5,045)
Ending Balance | 82,130 | 70,413 | 64,577
Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 216 |  |
Ending Balance |  | 216 |
Core Banking Activities |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 51,718 | 51,533 | 52,106
Provision | 8,536 | 349 | (188)
Charge-offs | (1,351) | (1,320) | (1,460)
Recoveries | 726 | 1,156 | (1,075)
Ending Balance | 59,845 | 51,718 | 51,533
Core Banking Activities | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 216 |  |
Ending Balance |  | 216 |
Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 110 | 91 | 106
Beginning Balance | 50,709 | 49,407 | 49,699
Provision | 866 | 19 | (15)
Provision | 8,698 | 1,466 | 93
Charge-offs | (141) |  |
Charge-offs | (1,351) | (1,320) | (1,460)
Recoveries | 10 |  |
Recoveries | 726 | 1,156 | (1,075)
Ending balance | 1,061 | 110 | 91
Ending Balance | 58,998 | 50,709 | 49,407
Traditional Banking | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 216 |  |
Beginning Balance | 216 |  |
Ending balance |  | 216 |
Ending Balance |  | 216 |
Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 18,695 | 13,044 | 8,961
Provision | 39,088 | 22,036 | 15,127
Charge-offs | (39,863) | (23,049) | (15,014)
Recoveries | 4,365 | 6,664 | (3,970)
Ending balance | 22,285 | 18,695 | 13,044
Warehouse line of credit | Warehouse Lending |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  |  | 2,407
Beginning Balance |  | 2,126 |
Provision |  |  | (281)
Ending Balance |  |  | 2,126
Residential real estate | Residential Real Estate - Owner Occupied |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (26) | (21) |
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 8,909 | 8,647 | 9,715
Provision | 1,303 | 181 | (1,461)
Charge-offs | (26) | (21) |
Recoveries | 151 | 102 | (393)
Ending balance | 10,337 | 8,909 | 8,647
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 2,831 | 2,700 | 2,466
Provision | 213 | 129 | 231
Recoveries | 3 | 2 | (3)
Ending balance | 3,047 | 2,831 | 2,700
Residential real estate | Home equity |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (2) |  |
Residential real estate | Home equity | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 4,628 | 4,111 | 4,990
Provision | 872 | 396 | (874)
Charge-offs | (2) |  | (51)
Recoveries | 3 | 121 | (46)
Ending balance | 5,501 | 4,628 | 4,111
Commercial real estate |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs |  | (9) |
Commercial real estate | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 23,739 | 23,769 | 23,606
Provision | 1,997 | (308) | 509
Charge-offs |  | (9) | (428)
Recoveries | 94 | 287 | (82)
Ending balance | 25,830 | 23,739 | 23,769
Construction & land development | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 4,123 | 4,128 | 3,274
Provision | 1,937 | (5) | 854
Ending balance | 6,060 | 4,123 | 4,128
Commercial | Commercial and Industrial | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 3,976 | 3,487 | 2,797
Provision | 137 | 218 | 700
Charge-offs |  |  | (86)
Recoveries | 123 | 271 | (76)
Ending balance | 4,236 | 3,976 | 3,487
Aircraft | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 449 | 357 | 253
Provision | 176 | 92 | 104
Ending balance | 625 | 449 | 357
Consumer |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (1,182) | (1,290) |
Consumer | Credit cards | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 996 | 934 | 929
Provision | 176 | 140 | 107
Charge-offs | (162) | (155) | (163)
Recoveries | 64 | 77 | (61)
Ending balance | 1,074 | 996 | 934
Consumer | Overdrafts | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 726 | 683 | 587
Provision | 667 | 866 | 425
Charge-offs | (896) | (1,038) | (641)
Recoveries | 197 | 215 | (312)
Ending balance | 694 | 726 | 683
Consumer | Automobile loans | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 87 | 186 | 399
Provision | (32) | (111) | (233)
Charge-offs | (37) | (3) | (19)
Recoveries | 14 | 15 | (39)
Ending balance | 32 | 87 | 186
Consumer | Other consumer | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 135 | 314 | 577
Provision | 386 | (151) | (254)
Charge-offs | (87) | (94) | (72)
Recoveries | 67 | 66 | (63)
Ending balance | 501 | 135 | 314
Warehouse lines of credit | Warehouse Lending |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,009 | 2,126 |
Provision | (162) | (1,117) |
Ending balance | 847 | 1,009 | 2,126
Tax Refund Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (25,951) | (11,659) |
Tax Refund Solution | Refund Advances | Tax Refund Solutions |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 3,797 |  |
Provision | 22,492 | 10,471 | 6,723
Charge-offs | (25,823) | (11,505) | (10,256)
Recoveries | 3,463 | 4,831 | (3,533)
Ending balance | 3,929 | 3,797 |
Tax Refund Solution | Other TRS commercial and industrial loans | Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 91 | 96 | 158
Provision | 67 | (516) | (40)
Charge-offs | (128) | (154) | (51)
Recoveries | 31 | 665 | (29)
Ending balance | 61 | 91 | 96
Republic Credit Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (13,912) | (11,390) |
Republic Credit Solution | Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 14,807 | 12,948 | 8,803
Provision | 16,529 | 12,081 | 8,444
Charge-offs | (13,912) | (11,390) | (4,707)
Recoveries | 871 | 1,168 | (408)
Ending balance | $ 18,295 | $ 14,807 | $ 12,948

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