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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - COMPOSITION OF LOANS (Details) - USD ($) $ in Thousands | Sep. 30, 2025 | Jun. 30, 2025 | Dec. 31, 2024 | Sep. 30, 2024 | Jun. 30, 2024 | Dec. 31, 2023
--- | --- | --- | --- | --- | --- | ---
Loans disclosures |  |  |  |  |  |
Lease financing receivables | $ 96,605 |  | $ 93,304 |  |  |
Total loans | 5,281,374 |  | 5,439,466 | $ 5,296,917 |  |
Allowance for credit losses | (79,865) | $ (81,760) | (91,978) | (82,158) | $ (80,687) | $ (82,130)
Loans, net | 5,201,509 |  | 5,347,488 |  |  |
Core Banking Activities |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 5,168,132 |  | 5,119,939 | 5,162,059 |  |
Allowance for credit losses | (60,001) | (60,731) | (61,130) | (61,035) | (61,235) | (59,845)
Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 96,605 |  | 93,304 |  |  |
Lease financing receivables | 96,605 |  | 93,304 |  |  |
Total loans | 4,558,306 |  | 4,569,179 | 4,566,896 |  |
Allowance for credit losses | (58,479) | $ (59,055) | (59,756) | (59,549) | $ (59,865) | $ (58,998)
Warehouse Lending |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 609,826 |  |  | 595,163 |  |
Republic Processing Group |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 113,242 |  | 319,527 |  |  |
Total loans | 113,242 |  |  | 134,858 |  |
Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 292 |  |  | 302 |  |
Republic Credit Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 112,950 |  |  | $ 134,556 |  |
Residential real estate | Residential Real Estate - Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,044,737 |  | 1,032,459 |  |  |
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,044,737 |  | 1,032,459 |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 291,373 |  | 318,096 |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 291,373 |  | 318,096 |  |  |
Residential real estate | Home Equity |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 399,691 |  | 353,441 |  |  |
Residential real estate | Home Equity | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 399,691 |  | 353,441 |  |  |
Commercial real estate | Commercial Real Estate - Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 643,519 |  | 659,216 |  |  |
Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 643,519 |  | 659,216 |  |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 801,644 |  | 840,517 |  |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 801,644 |  | 840,517 |  |  |
Commercial real estate | Commercial Real Estate - Multi-Family |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 321,453 |  | 313,444 |  |  |
Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 321,453 |  | 313,444 |  |  |
Construction & land development |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 246,065 |  | 244,121 |  |  |
Construction & land development | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 246,065 |  | 244,121 |  |  |
Commercial & industrial | Commercial and Industrial |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 488,786 |  | 460,245 |  |  |
Commercial & industrial | Commercial and Industrial | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 488,786 |  | 460,245 |  |  |
Aircraft |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 202,742 |  | 226,179 |  |  |
Aircraft | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 202,742 |  | 226,179 |  |  |
Consumer |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 21,691 |  | 28,157 |  |  |
Consumer | Credit Card | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 10,787 |  | 16,464 |  |  |
Consumer | Overdrafts | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 881 |  | 982 |  |  |
Consumer | Automobile loans | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 813 |  | 1,156 |  |  |
Consumer | Other Consumer | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 9,210 |  | 9,555 |  |  |
Warehouse lines of credit |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 609,826 |  | 550,760 |  |  |
Warehouse lines of credit | Warehouse Lending |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 609,826 |  | 550,760 |  |  |
Tax Refund Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 292 |  | 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 | 292 |  | 52,180 |  |  |
Republic Credit Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 112,950 |  | 128,733 |  |  |
Republic Credit Solution | Republic Credit Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | $ 112,950 |  | $ 128,733 |  |  |

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