LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS

Schedule that reconciles the contractually receivable and carrying amounts of loans


(in thousands)		March 31, 2026			December 31, 2025

Contractually receivable		$	5,375,799		$	5,454,833
Unearned income			(3,307)			(3,137)
Unamortized premiums			136			142
Unaccreted discounts			(803)			(1,003)
Other net unamortized deferred origination (fees) and costs			(4,852)			(4,506)
Carrying value of loans		$	5,366,973		$	5,446,329

Schedule of activity in the ACLL for loan and lease losses


	ACLL Roll-forward
	Three Months Ended March 31,
	2026										2025
	Beginning				Charge-				Ending			Beginning			Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance			Balance	Provision		offs		Recoveries		Balance

Traditional Banking:
Residential real estate:
Owner-occupied	$	10,844	$	(233)	$	(54)	$	52	$	10,609	$	10,849	$	(115)	$	(18)	$	40	$	10,756
Nonowner-occupied		3,542		(34)		—		—		3,508		4,140		(115)		—		—		4,025
Commercial real estate:
Owner-occupied		7,207		375		—		2		7,584		7,319		15		—		—		7,334
Nonowner-occupied		11,690		283		—		—		11,973		12,523		(344)		—		—		12,179
Multi-Family		2,860		(48)		—		—		2,812		2,714		93		—		—		2,807
Total commercial real estate		21,757		610		—		2		22,369		22,556		(236)		—		—		22,320
Construction & land development		8,117		139		—		—		8,256		8,227		(200)		—		—		8,027
Commercial & industrial		7,403		75		—		3		7,481		2,527		89		—		—		2,616
Lease financing receivables		718		(112)		(1)		19		624		1,117		(57)		(11)		5		1,054
Aircraft		507		(1)		—		—		506		565		(11)		—		—		554
Home equity		8,629		238		—		6		8,873		7,378		247		—		1		7,626
Consumer:
Credit cards		957		2		(3)		1		957		1,379		(425)		(36)		19		937
Overdrafts		971		72		(410)		68		701		724		99		(190)		54		687
Automobile loans		—		(2)		—		2		—		11		(4)		—		1		8
Other consumer		217		(49)		(13)		2		157		283		(41)		(16)		15		241
Total Traditional Banking		63,662		705		(481)		155		64,041		59,756		(769)		(271)		135		58,851
Warehouse lines of credit		1,882		(311)		—		—		1,571		1,374		47		—		—		1,421
Total Core Banking		65,544		394		(481)		155		65,612		61,130		(722)		(271)		135		60,272

Republic Processing Group:
Tax Refund Solutions:
Refund Advances		296		5,318		—		669		6,283		9,793		15,335		—		691		25,819
Other TRS commercial & industrial loans		37		24		—		—		61		68		92		—		2		162
Republic Credit Solutions		19,475		4,044		(3,936)		301		19,884		20,987		2,967		(4,254)		350		20,050
Total Republic Processing Group		19,808		9,386		(3,936)		970		26,228		30,848		18,394		(4,254)		1,043		46,031

Total	$	85,352	$	9,780	$	(4,417)	$	1,125	$	91,840	$	91,978	$	17,672	$	(4,525)	$	1,178	$	106,303

Schedule of recorded investment in non-accrual loans


							Past Due 90-Days-or-More
		Nonaccrual					and Still Accruing Interest*
(in thousands)		March 31, 2026			December 31, 2025		March 31, 2026			December 31, 2025

Traditional Banking:
Residential real estate:
Owner-occupied		$	20,524		$	18,894	$	—		$	—
Nonowner-occupied			510			119		—			—
Commercial real estate:
Owner-occupied			5,474			377		—			—
Nonowner-occupied			—			—		—			—
Multi-family			1,259			—		—			—
Construction & land development			—			—		—			—
Commercial & industrial			369			344		—			—
Lease financing receivables			—			49		—			—
Aircraft			—			—		—			—
Home equity			3,635			3,727		—			—
Consumer:
Credit cards			—			—		—			—
Overdrafts			—			—		—			—
Automobile loans			—			—		—			—
Other consumer			13			296		—			—
Total Traditional Banking			31,784			23,806		—			—
Warehouse lines of credit			—			—		—			—
Total Core Banking			31,784			23,806		—			—

Republic Processing Group:
Tax Refund Solutions:
Refund Advances			—			—		—			—
Other TRS commercial & industrial loans			—			—		—			—
Republic Credit Solutions			—			—		68			161
Total Republic Processing Group			—			—		68			161

Total		$	31,784		$	23,806	$	68		$	161

* Loans past due 90-days-or-more and still accruing consist of smaller balance consumer loans.


										Three Months Ended
		As of March 31, 2026								March 31, 2026
		Nonaccrual			Nonaccrual				Total	Interest Income
		Loans with			Loans without				Nonaccrual	Recognized
(in thousands)		ACLL			ACLL				Loans	on Nonaccrual Loans*

Residential real estate:
Owner-occupied		$	359		$	20,165		$	20,524	$	239
Nonowner-occupied			397			113			510		17
Commercial real estate:
Owner-occupied			344			5,130			5,474		20
Nonowner-occupied			—			—			—		—
Multi-family			—			1,259			1,259		26
Construction & land development			—			—			—		—
Commercial & industrial			344			25			369		—
Lease financing receivables			—			—			—		—
Aircraft			—			—			—		—
Home equity			—			3,635			3,635		87
Consumer			—			13			13		—
Total		$	1,444		$	30,340		$	31,784	$	389

* Includes interest income for loans on nonaccrual as of the beginning of the period that were paid off during the period.


										Three Months Ended
		As of December 31, 2025								March 31, 2025
		Nonaccrual			Nonaccrual				Total	Interest Income
		Loans with			Loans without				Nonaccrual	Recognized
(in thousands)		ACLL			ACLL				Loans	on Nonaccrual Loans*

Residential real estate:
Owner-occupied		$	—		$	18,894		$	18,894	$	368
Nonowner-occupied			—			119			119		17
Commercial real estate:
Owner-occupied			377			—			377		48
Nonowner-occupied			—			—			—		4
Multi-family			—			—			—		—
Construction & land development			—			—			—		—
Commercial & industrial			344			—			344		5
Lease financing receivables			—			49			49		—
Aircraft			—			—			—		—
Home equity			—			3,727			3,727		—
Consumer			—			296			296		21
Total		$	721		$	23,085		$	23,806	$	463

* Includes interest income for loans on nonaccrual as of the beginning of the period that were paid off during the period.

Schedule of amortized cost basis of collateral-dependent loans


	March 31, 2026					December 31, 2025
	Secured			Secured		Secured			Secured
	by Real			by Personal		by Real			by Personal
(in thousands)	Estate			Property		Estate			Property

Traditional Banking:
Residential real estate:
Owner-occupied	$	20,874		$	—	$	19,343		$	—
Nonowner-occupied		510			—		535			—
Commercial real estate:
Owner-occupied		8,195			—		8,296			—
Nonowner-occupied		—			—		—			—
Multi-family		1,233			—		—			—
Construction & land development		—			—		—			—
Commercial & industrial		—			—		—			—
Lease financing receivables		—			411		—			508
Aircraft		—			—		—			297
Home equity		3,474			—		3,659			—
Consumer		—			1		—			1
Total Traditional Banking	$	34,286		$	412	$	31,833		$	806

Schedule of recorded investment in consumer mortgage loans secured by residential real estate properties


(in thousands)		March 31, 2026			December 31, 2025

Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure		$	3,994		$	3,148