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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - COMPOSITION OF LOANS (Details) - USD ($) $ in Thousands | Mar. 31, 2026 | Dec. 31, 2025 | Mar. 31, 2025 | Dec. 31, 2024
--- | --- | --- | --- | ---
Loans disclosures |  |  |  |
Lease financing receivables | $ 20,710 | $ 20,523 |  |
Total loans | 5,366,973 | 5,446,329 | $ 5,289,793 |
Allowance for credit losses | (91,840) | (85,352) | (106,303) | $ (91,978)
Loans, net | 5,275,133 | 5,360,977 |  |
Core Banking Activities |  |  |  |
Loans disclosures |  |  |  |
Total loans | 5,226,139 | 5,300,387 | 5,135,861 |
Allowance for credit losses | (65,612) | (65,544) | (60,272) | (61,130)
Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Lease financing receivables | 20,710 | 20,523 |  |
Total loans | 4,596,291 | 4,546,297 | 4,566,359 |
Allowance for credit losses | (64,041) | (63,662) | (58,851) | $ (59,756)
Warehouse Lending |  |  |  |
Loans disclosures |  |  |  |
Total loans | 629,848 |  | 569,502 |
Republic Processing Group |  |  |  |
Loans disclosures |  |  |  |
Total loans | 140,834 | 145,942 |  |
Total loans | 140,834 |  | 153,932 |
Tax Refund Solutions |  |  |  |
Loans disclosures |  |  |  |
Total loans | 9,159 |  | 36,185 |
Republic Credit Solutions |  |  |  |
Loans disclosures |  |  |  |
Total loans | 131,675 |  | $ 117,747 |
Residential real estate | Residential Real Estate - Owner Occupied |  |  |  |
Loans disclosures |  |  |  |
Total loans | 1,028,473 | 1,040,080 |  |
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 1,028,473 | 1,040,080 |  |
Residential real estate | Residential Real Estate - Non Owner Occupied |  |  |  |
Loans disclosures |  |  |  |
Total loans | 280,777 | 283,246 |  |
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 280,777 | 283,246 |  |
Residential real estate | Home Equity |  |  |  |
Loans disclosures |  |  |  |
Total loans | 425,662 | 413,638 |  |
Residential real estate | Home Equity | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 425,662 | 413,638 |  |
Commercial real estate | Commercial Real Estate - Owner Occupied |  |  |  |
Loans disclosures |  |  |  |
Total loans | 684,405 | 666,948 |  |
Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 684,405 | 666,948 |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied |  |  |  |
Loans disclosures |  |  |  |
Total loans | 819,363 | 799,420 |  |
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 819,363 | 799,420 |  |
Commercial real estate | Commercial Real Estate - Multi-Family |  |  |  |
Loans disclosures |  |  |  |
Total loans | 328,154 | 331,370 |  |
Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 328,154 | 331,370 |  |
Construction & land development |  |  |  |
Loans disclosures |  |  |  |
Total loans | 245,423 | 238,455 |  |
Construction & land development | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 245,423 | 238,455 |  |
Commercial & industrial | Commercial and Industrial |  |  |  |
Loans disclosures |  |  |  |
Total loans | 541,646 | 528,873 |  |
Commercial & industrial | Commercial and Industrial | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 541,646 | 528,873 |  |
Aircraft |  |  |  |
Loans disclosures |  |  |  |
Total loans | 202,388 | 203,120 |  |
Aircraft | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 202,388 | 203,120 |  |
Consumer |  |  |  |
Loans disclosures |  |  |  |
Total loans | 19,290 | 20,624 |  |
Consumer | Credit Card | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 11,659 | 10,711 |  |
Consumer | Overdrafts | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 802 | 971 |  |
Consumer | Automobile loans | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 678 | 738 |  |
Consumer | Other Consumer | Traditional Banking |  |  |  |
Loans disclosures |  |  |  |
Total loans | 6,151 | 8,204 |  |
Warehouse lines of credit |  |  |  |
Loans disclosures |  |  |  |
Total loans | 629,848 | 754,090 |  |
Warehouse lines of credit | Warehouse Lending |  |  |  |
Loans disclosures |  |  |  |
Total loans | 629,848 | 754,090 |  |
Tax Refund Solution |  |  |  |
Loans disclosures |  |  |  |
Total loans | 9,159 | 32,397 |  |
Tax Refund Solution | Refund Advances | Tax Refund Solutions |  |  |  |
Loans disclosures |  |  |  |
Total loans | 8,458 | 12,924 |  |
Tax Refund Solution | Other TRS commercial and industrial loans | Tax Refund Solutions |  |  |  |
Loans disclosures |  |  |  |
Total loans | 701 | 19,473 |  |
Republic Credit Solution |  |  |  |
Loans disclosures |  |  |  |
Total loans | 131,675 |  |  |
Republic Credit Solution | Republic Credit Solutions |  |  |  |
Loans disclosures |  |  |  |
Total loans | $ 131,675 | $ 113,545 |  |

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