Republic Bancorp Reports 20% Increase in Q4 2025 Net Income

By Chris Stiles • Sunday, February 01 04:13 • Permanent Link

Republic Bancorp, Inc. ("Republic" or the "Company") has reported a 20% increase in net income for the fourth quarter of 2025 compared to the same period in 2024. The net income and diluted earnings per class A common share ("diluted EPS") for the fourth quarter of 2025 were $22.8 million and $1.17 per share, representing increases of 20% and 19% respectively over the fourth quarter of 2024.

The return on average assets ("ROA") and the return on average equity ("ROE") for the fourth quarter of 2025 were reported as 1.28% and 8.20% respectively, showing improvements over the same period in 2024.

The core bank's net interest income experienced a significant increase of $6.1 million, or 11%, reaching $63.7 million for the fourth quarter of 2025. This was driven by an increase in the core bank's net interest margin ("NIM") from 3.64% in the fourth quarter of 2024 to 3.87% in the fourth quarter of 2025.

The traditional bank's net interest income also saw an increase of $5.5 million, reaching $59.5 million in the fourth quarter of 2025. The net interest margin for the traditional bank increased to 3.99% in the fourth quarter of 2025, up from 3.73% in the same period in 2024.

Furthermore, Republic Bancorp achieved record net income for the year 2025, exceeding 2024 by $30.0 million. The company also noted year-over-year net income growth across all five SEC reporting segments.

Additionally, the core bank's credit quality metrics remained solid throughout 2025, with nonperforming loans and delinquent loans representing just 0.45% and 0.26% of total loans as of December 31, 2025.

Republic Bancorp also enhanced its balance sheet liquidity during 2025, with core bank period-end deposits (excluding wholesale brokered deposits and listing service deposits) increasing by $218 million, or 5%, during the year.

The company expects a gain, net of broker commissions, of approximately $6 million as a result of the sale of its St. Louis-based Republic Bank Finance ("RBF") operations, which aligns with their strategic balance sheet goals.

The market has reacted to these announcements by moving the company's shares -0.73% to a price of $72.43. If you want to know more, read the company's complete 8-K report here.

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