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SEGMENT INFORMATION (Details)
$ in Thousands
3 Months Ended
Mar. 31, 2024
USD ($)
segment
Mar. 31, 2023
USD ($)
Dec. 31, 2023
USD ($)
Segment Disclosure information      
Number of reportable segments | segment 5    
Segment information      
Net interest income $ 96,919 $ 92,642  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 30,622 26,766  
Mortgage banking income 310 800  
Program fees 4,179 3,241  
Other noninterest income 8,064 7,833  
Total noninterest income 23,373 22,681  
Total noninterest expense 50,971 52,443  
INCOME BEFORE INCOME TAX EXPENSE 38,699 36,114  
Income tax expense (benefit) 8,093 8,022  
NET INCOME 30,606 28,092  
Period-end assets $ 6,875,592 $ 6,074,091 $ 6,594,891
Net interest margin (as percent) 5.87% 6.52%  
Net-revenue concentration (as percent) 100.00% 100.00%  
Core Banking Activities      
Segment Disclosure information      
Number of reportable segments | segment 2    
Segment information      
Net interest income $ 50,516 $ 52,255  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 667 3,119  
Mortgage banking income 310 800  
Other noninterest income 7,999 7,682  
Total noninterest income 8,309 8,482  
Total noninterest expense 42,272 44,374  
INCOME BEFORE INCOME TAX EXPENSE 15,886 13,244  
Income tax expense (benefit) 2,764 2,936  
NET INCOME 13,122 10,308  
Period-end assets $ 6,229,830 $ 5,446,098  
Net interest margin (as percent) 3.30% 3.98%  
Net-revenue concentration (as percent) 48.00% 52.00%  
Traditional Banking      
Segment information      
Net interest income $ 48,259 $ 50,168  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 358 2,984  
Mortgage banking income 310 800  
Other noninterest income 7,986 7,671  
Total noninterest income 8,296 8,471  
Total noninterest expense 41,394 43,406  
INCOME BEFORE INCOME TAX EXPENSE 14,803 12,249  
Income tax expense (benefit) 2,520 2,713  
NET INCOME 12,283 9,536  
Period-end assets $ 5,766,166 $ 4,987,423  
Net interest margin (as percent) 3.33% 4.07%  
Net-revenue concentration (as percent) 46.00% 50.00%  
Warehouse Lending      
Segment information      
Net interest income $ 2,257 $ 2,087  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 309 135  
Other noninterest income 13 11  
Total noninterest income 13 11  
Total noninterest expense 878 968  
INCOME BEFORE INCOME TAX EXPENSE 1,083 995  
Income tax expense (benefit) 244 223  
NET INCOME 839 772  
Period-end assets $ 463,664 $ 458,675  
Net interest margin (as percent) 2.67% 2.53%  
Net-revenue concentration (as percent) 2.00% 2.00%  
Republic Processing Group      
Segment Disclosure information      
Number of reportable segments | segment 3    
Segment information      
Net interest income $ 46,403 $ 40,387  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 29,955 23,647  
Program fees 4,179 3,241  
Other noninterest income 65 151  
Total noninterest income 15,064 14,199  
Total noninterest expense 8,699 8,069  
INCOME BEFORE INCOME TAX EXPENSE 22,813 22,870  
Income tax expense (benefit) 5,329 5,086  
NET INCOME 17,484 17,784  
Period-end assets $ 645,762 $ 627,993  
Net-revenue concentration (as percent) 52.00% 48.00%  
Tax Refund Solutions      
Segment information      
Net interest income $ 30,910 $ 28,307  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 25,774 21,808  
Other noninterest income 63 115  
Total noninterest income 10,883 10,922  
Total noninterest expense 4,512 4,782  
INCOME BEFORE INCOME TAX EXPENSE 11,507 12,639  
Income tax expense (benefit) 2,714 2,806  
NET INCOME 8,793 9,833  
Period-end assets $ 106,401 $ 95,462  
Net-revenue concentration (as percent) 35.00% 34.00%  
Republic Payment Solutions      
Segment information      
Net interest income $ 3,508 $ 3,458  
Program fees 773 707  
Other noninterest income 1 11  
Total noninterest income 774 718  
Total noninterest expense 954 866  
INCOME BEFORE INCOME TAX EXPENSE 3,328 3,310  
Income tax expense (benefit) 761 735  
NET INCOME 2,567 2,575  
Period-end assets $ 406,847 $ 415,688  
Net interest margin (as percent) 5.07% 3.84%  
Net-revenue concentration (as percent) 4.00% 4.00%  
Republic Credit Solutions      
Segment information      
Net interest income $ 11,985 $ 8,622  
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 4,181 1,839  
Program fees 3,406 2,534  
Other noninterest income 1 25  
Total noninterest income 3,407 2,559  
Total noninterest expense 3,233 2,421  
INCOME BEFORE INCOME TAX EXPENSE 7,978 6,921  
Income tax expense (benefit) 1,854 1,545  
NET INCOME 6,124 5,376  
Period-end assets $ 132,514 $ 116,843  
Net-revenue concentration (as percent) 13.00% 10.00%  
Net refund transfer fees      
Segment information      
Revenue under 606 $ 10,820 $ 10,807  
Net refund transfer fees | Republic Processing Group      
Segment information      
Revenue under 606 10,820 10,807  
Net refund transfer fees | Tax Refund Solutions      
Segment information      
Revenue under 606 $ 10,820 $ 10,807