XML 71 R60.htm IDEA: XBRL DOCUMENT v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - ALLOWANCE ACTIVITY (Details) - USD ($)
 3 Months Ended 12 Months Ended
Mar. 31, 2026
Jun. 30, 2025
Mar. 31, 2025
Dec. 31, 2025
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 85,352,000 $ 106,303,000 $ 91,978,000 $ 91,978,000
Provision 9,780,000   17,672,000  
Charge-offs (1,000)     (390,000)
Charge-offs (4,417,000)   (4,525,000) (46,222,000)
Recoveries 1,125,000   1,178,000  
Ending Balance $ 91,840,000   106,303,000 85,352,000
Forecast period for unemployment and general CRE values 1 year      
Net credit to provision due to application of practical expedient   518,000    
Core Banking Activities        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning Balance $ 65,544,000 60,272,000 61,130,000 61,130,000
Provision 394,000   (722,000)  
Charge-offs (481,000)   (271,000)  
Recoveries 155,000   135,000  
Ending Balance 65,612,000   60,272,000 65,544,000
Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 718,000 1,054,000 1,117,000 1,117,000
Beginning Balance 63,662,000 58,851,000 59,756,000 59,756,000
Provision (112,000)   (57,000)  
Provision 705,000   (769,000)  
Charge-offs (1,000)   (11,000)  
Charge-offs (481,000)   (271,000)  
Recoveries 19,000   5,000  
Recoveries 155,000   135,000  
Ending balance 624,000   1,054,000 718,000
Ending Balance 64,041,000   58,851,000 63,662,000
Republic Processing Group        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 19,808,000 46,031,000 30,848,000 30,848,000
Provision 9,386,000   18,394,000  
Charge-offs (3,936,000)   (4,254,000)  
Recoveries 970,000   1,043,000  
Ending balance 26,228,000   46,031,000 19,808,000
Residential real estate | Residential Real Estate - Owner Occupied        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs (54,000)     (128,000)
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 10,844,000 10,756,000 10,849,000 10,849,000
Provision (233,000)   (115,000)  
Charge-offs (54,000)   (18,000)  
Recoveries 52,000   40,000  
Ending balance 10,609,000   10,756,000 10,844,000
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 3,542,000 4,025,000 4,140,000 4,140,000
Provision (34,000)   (115,000)  
Ending balance 3,508,000   4,025,000 3,542,000
Residential real estate | Home equity lines of credit        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs       (56,000)
Residential real estate | Home equity lines of credit | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 8,629,000 7,626,000 7,378,000 7,378,000
Provision 238,000   247,000  
Recoveries 6,000   1,000  
Ending balance 8,873,000   7,626,000 8,629,000
Commercial real estate | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 21,757,000 22,320,000 22,556,000 22,556,000
Provision 610,000   (236,000)  
Recoveries 2,000      
Ending balance 22,369,000   22,320,000 21,757,000
Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 7,207,000 7,334,000 7,319,000 7,319,000
Provision 375,000   15,000  
Recoveries 2,000      
Ending balance 7,584,000   7,334,000 7,207,000
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 11,690,000 12,179,000 12,523,000 12,523,000
Provision 283,000   (344,000)  
Ending balance 11,973,000   12,179,000 11,690,000
Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 2,860,000 2,807,000 2,714,000 2,714,000
Provision (48,000)   93,000  
Ending balance 2,812,000   2,807,000 2,860,000
Construction & land development | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 8,117,000 8,027,000 8,227,000 8,227,000
Provision 139,000   (200,000)  
Ending balance 8,256,000   8,027,000 8,117,000
Commercial & industrial | Commercial and Industrial        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs       (262,000)
Commercial & industrial | Commercial and Industrial | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 7,403,000 2,616,000 2,527,000 2,527,000
Provision 75,000   89,000  
Recoveries 3,000      
Ending balance 7,481,000   2,616,000 7,403,000
Aircraft | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 507,000 554,000 565,000 565,000
Provision (1,000)   (11,000)  
Ending balance 506,000   554,000 507,000
Consumer        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs (426,000)     (1,197,000)
Consumer | Credit Card | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 957,000 937,000 1,379,000 1,379,000
Provision 2,000   (425,000)  
Charge-offs (3,000)   (36,000)  
Recoveries 1,000   19,000  
Ending balance 957,000   937,000 957,000
Consumer | Overdrafts | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 971,000 687,000 724,000 724,000
Provision 72,000   99,000  
Charge-offs (410,000)   (190,000)  
Recoveries 68,000   54,000  
Ending balance 701,000   687,000 971,000
Consumer | Automobile loans | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance   8,000 11,000 11,000
Provision (2,000)   (4,000)  
Recoveries 2,000   1,000  
Ending balance     8,000  
Consumer | Other Consumer | Traditional Banking        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 217,000 241,000 283,000 283,000
Provision (49,000)   (41,000)  
Charge-offs (13,000)   (16,000)  
Recoveries 2,000   15,000  
Ending balance 157,000   241,000 217,000
Warehouse lines of credit | Warehouse Lending        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 1,882,000 1,421,000 1,374,000 1,374,000
Provision (311,000)   47,000  
Ending balance 1,571,000   1,421,000 1,882,000
Tax Refund Solution        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs       (25,058,000)
Tax Refund Solution | Refund Advances | Tax Refund Solutions        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 296,000 25,819,000 9,793,000 9,793,000
Provision 5,318,000   15,335,000  
Recoveries 669,000   691,000  
Ending balance 6,283,000   25,819,000 296,000
Tax Refund Solution | Other TRS commercial and industrial loans | Tax Refund Solutions        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 37,000 162,000 68,000 68,000
Provision 24,000   92,000  
Recoveries     2,000  
Ending balance 61,000   162,000 37,000
Republic Credit Solution        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Charge-offs (3,936,000)     (19,131,000)
Republic Credit Solution | Republic Credit Solutions        
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward]        
Beginning balance 19,475,000 $ 20,050,000 20,987,000 20,987,000
Provision 4,044,000   2,967,000  
Charge-offs (3,936,000)   (4,254,000)  
Recoveries 301,000   350,000  
Ending balance $ 19,884,000   $ 20,050,000 $ 19,475,000