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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - COMPOSITION OF LOANS (Details) - USD ($) $ in Thousands | Jun. 30, 2025 | Mar. 31, 2025 | Dec. 31, 2024 | Jun. 30, 2024 | Mar. 31, 2024 | Dec. 31, 2023
--- | --- | --- | --- | --- | --- | ---
Loans disclosures |  |  |  |  |  |
Lease financing receivables | $ 96,547 |  | $ 93,304 |  |  |
Total loans | 5,373,020 |  | 5,439,466 | $ 5,264,270 |  |
Allowance for credit losses | (81,760) | $ (106,303) | (91,978) | (80,687) | $ (108,702) | $ (82,130)
Loans, net | 5,291,260 |  | 5,347,488 |  |  |
Core Banking Activities |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 5,253,925 |  | 5,119,939 | 5,138,178 |  |
Allowance for credit losses | (60,731) | (60,272) | (61,130) | (61,235) | (60,332) | (59,845)
Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 96,547 |  | 93,304 |  |  |
Lease financing receivables | 96,547 |  | 93,304 |  |  |
Total loans | 4,582,152 |  | 4,569,179 | 4,589,167 |  |
Allowance for credit losses | (59,055) | $ (58,851) | (59,756) | (59,865) | $ (59,176) | (58,998)
Warehouse Lending |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 671,773 |  |  | 549,011 |  |
Republic Processing Group |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 119,095 |  | 319,527 |  |  |
Total loans | 119,095 |  |  | 126,092 |  |
Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 95 |  |  | 92 |  |
Republic Credit Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 119,000 |  |  | $ 126,000 |  |
Residential real estate | Residential Real Estate - Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,031,898 |  | 1,032,459 |  |  |
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,031,898 |  | 1,032,459 |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 303,357 |  | 318,096 |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 303,357 |  | 318,096 |  |  |
Residential real estate | Home Equity |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 387,599 |  | 353,441 |  |  |
Residential real estate | Home Equity | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 387,599 |  | 353,441 |  |  |
Allowance for credit losses |  |  |  |  |  | $ (5,501)
Commercial real estate | Commercial Real Estate - Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 650,771 |  | 659,216 |  |  |
Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 650,771 |  | 659,216 |  |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 818,367 |  | 840,517 |  |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 818,367 |  | 840,517 |  |  |
Commercial real estate | Commercial Real Estate - Multi-Family |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 319,905 |  | 313,444 |  |  |
Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 319,905 |  | 313,444 |  |  |
Construction & land development |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 258,817 |  | 244,121 |  |  |
Construction & land development | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 258,817 |  | 244,121 |  |  |
Commercial & industrial | Commercial and Industrial |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 481,219 |  | 460,245 |  |  |
Commercial & industrial | Commercial and Industrial | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 481,219 |  | 460,245 |  |  |
Aircraft |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 211,910 |  | 226,179 |  |  |
Aircraft | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 211,910 |  | 226,179 |  |  |
Consumer |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 21,762 |  | 28,157 |  |  |
Consumer | Credit Card | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 10,315 |  | 16,464 |  |  |
Consumer | Overdrafts | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 826 |  | 982 |  |  |
Consumer | Automobile loans | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 916 |  | 1,156 |  |  |
Consumer | Other Consumer | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 9,705 |  | 9,555 |  |  |
Warehouse lines of credit |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 671,773 |  | 550,760 |  |  |
Warehouse lines of credit | Warehouse Lending |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 671,773 |  | 550,760 |  |  |
Tax Refund Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 95 |  | 190,794 |  |  |
Tax Refund Solution | Refund Advances | Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans |  |  | 138,614 |  |  |
Tax Refund Solution | Other TRS commercial and industrial loans | Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 95 |  | 52,180 |  |  |
Republic Credit Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 119,000 |  | 128,733 |  |  |
Republic Credit Solution | Republic Credit Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | $ 119,000 |  | $ 128,733 |  |  |

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