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STOCKHOLDERS' EQUITY AND REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

STOCKHOLDERS' EQUITY AND REGULATORY CAPITAL MATTERS

Schedule of compliance with regulatory capital requirements

Minimum Requirement

to be Well Capitalized

Minimum Requirement

Under Prompt

for Capital Adequacy

Corrective Action

Actual

Purposes

Provisions

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

As of December 31, 2024

Total capital to risk-weighted assets

Republic Bancorp, Inc.

$

1,042,149

16.98

%

$

490,967

8.00

%

NA

NA

Republic Bank & Trust Company

989,800

16.14

490,567

8.00

$

613,209

10.00

%

Common equity tier 1 capital to risk-weighted assets

Republic Bancorp, Inc.

965,243

15.73

276,169

4.50

NA

NA

Republic Bank & Trust Company

912,968

14.89

275,944

4.50

398,586

6.50

Tier 1 (core) capital to risk-weighted assets

Republic Bancorp, Inc.

965,243

15.73

368,225

6.00

NA

NA

Republic Bank & Trust Company

912,968

14.89

367,925

6.00

490,567

8.00

Tier 1 leverage capital to average assets

Republic Bancorp, Inc.

965,243

14.07

274,384

4.00

NA

NA

Republic Bank & Trust Company

912,968

13.29

274,789

4.00

343,486

5.00


												Minimum Requirement
												to be Well Capitalized
							Minimum Requirement					Under Prompt
							for Capital Adequacy					Corrective Action
		Actual					Purposes					Provisions
(dollars in thousands)		Amount			Ratio		Amount			Ratio		Amount			Ratio

As of December 31, 2023

Total capital to risk-weighted assets
Republic Bancorp, Inc.		$	968,844		16.10	%	$	481,522		8.00	%		NA		NA
Republic Bank & Trust Company			931,923		15.50			481,147		8.00		$	601,433		10.00	%

Common equity tier 1 capital to risk-weighted assets
Republic Bancorp, Inc.			893,658		14.85			270,856		4.50			NA		NA
Republic Bank & Trust Company			856,744		14.25			270,645		4.50			390,932		6.50

Tier 1 (core) capital to risk-weighted assets
Republic Bancorp, Inc.			893,658		14.85			361,141		6.00			NA		NA
Republic Bank & Trust Company			856,744		14.25			360,860		6.00			481,147		8.00

Tier 1 leverage capital to average assets
Republic Bancorp, Inc.			893,658		13.89			257,442		4.00			NA		NA
Republic Bank & Trust Company			856,744		13.25			258,697		4.00			323,371		5.00