XML 108 R90.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning Balance $ 82,130 $ 70,413 $ 64,577
Provision 54,386 47,624 22,385
Charge-offs (205) (141)  
Charge-offs (55,394) (41,214) (24,369)
Recoveries 10,856 5,091 (7,820)
Ending Balance 91,978 82,130 70,413
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 59,845 51,718 51,533
Provision 3,778 8,536 349
Charge-offs (3,463) (1,351) (1,320)
Recoveries 970 726 (1,156)
Ending Balance 61,130 59,845 51,718
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 1,061 110 91
Beginning Balance 58,998 50,709 49,407
Provision 179 866 19
Provision 3,251 8,698 1,466
Charge-offs (205) (141)  
Charge-offs (3,463) (1,351) (1,320)
Recoveries 82 10  
Recoveries 970 726 (1,156)
Ending balance 1,117 1,061 110
Ending Balance 59,756 58,998 50,709
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 22,285 18,695 13,044
Provision 50,608 39,088 22,036
Charge-offs (51,931) (39,863) (23,049)
Recoveries 9,886 4,365 (6,664)
Ending balance 30,848 22,285 18,695
Warehouse line of credit | Warehouse Lending      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance     2,126
Beginning Balance   1,009  
Provision     (1,117)
Ending Balance     1,009
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 (62) (26)  
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 10,337 8,909 8,647
Provision 450 1,303 181
Charge-offs (62) (26) (21)
Recoveries 124 151 (102)
Ending balance 10,849 10,337 8,909
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 3,047 2,831 2,700
Provision 1,089 213 129
Recoveries 4 3 (2)
Ending balance 4,140 3,047 2,831
Residential real estate | Home equity      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Charge-offs (64) (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 5,501 4,628 4,111
Provision 1,901 872 396
Charge-offs (64) (2)  
Recoveries 40 3 (121)
Ending balance 7,378 5,501 4,628
Commercial real estate | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 25,830 23,739 23,769
Provision (3,611) 1,997 (308)
Charge-offs     (9)
Recoveries 337 94 (287)
Ending balance 22,556 25,830 23,739
Construction & land development | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 6,060 4,123 4,128
Provision 2,167 1,937 (5)
Ending balance 8,227 6,060 4,123
Commercial & industrial | Commercial and Industrial      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Charge-offs (27)    
Commercial & industrial | Commercial and Industrial | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 4,236 3,976 3,487
Provision (1,686) 137 218
Charge-offs (27)    
Recoveries 4 123 (271)
Ending balance 2,527 4,236 3,976
Aircraft | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 625 449 357
Provision (60) 176 92
Ending balance 565 625 449
Consumer      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Charge-offs (3,105) (1,182)  
Consumer | Credit Card | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 1,074 996 934
Provision 489 176 140
Charge-offs (256) (162) (155)
Recoveries 72 64 (77)
Ending balance 1,379 1,074 996
Consumer | Overdrafts | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 694 726 683
Provision 647 667 866
Charge-offs (847) (896) (1,038)
Recoveries 230 197 (215)
Ending balance 724 694 726
Consumer | Automobile loans | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 32 87 186
Provision (46) (32) (111)
Charge-offs   (37) (3)
Recoveries 25 14 (15)
Ending balance 11 32 87
Consumer | Other consumer | Traditional Banking      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 501 135 314
Provision 1,732 386 (151)
Charge-offs (2,002) (87) (94)
Recoveries 52 67 (66)
Ending balance 283 501 135
Warehouse lines of credit | Warehouse Lending      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 847 1,009  
Provision 527 (162)  
Ending balance 1,374 847 1,009
Tax Refund Solution      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Charge-offs (32,692) (25,951)  
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 3,929 3,797  
Provision 29,886 22,492 10,471
Charge-offs (32,555) (25,823) (11,505)
Recoveries 8,533 3,463 (4,831)
Ending balance 9,793 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 61 91 96
Provision 97 67 (516)
Charge-offs (137) (128) (154)
Recoveries 47 31 (665)
Ending balance 68 61 91
Republic Credit Solution      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Charge-offs (19,239) (13,912)  
Republic Credit Solution | Republic Processing Group      
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]      
Beginning balance 18,295 14,807 12,948
Provision 20,625 16,529 12,081
Charge-offs (19,239) (13,912) (11,390)
Recoveries 1,306 871 (1,168)
Ending balance $ 20,987 $ 18,295 $ 14,807