
Republic ranked highest among Kentucky-headquartered banks for third consecutive year


Republic Bank &amp; Trust Company (&#34;Republic&#34; or &#34;the Bank&#34;) has once again been recognized by S&amp;P Global Market Intelligence

<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">Republic ranked highest among Kentucky-headquartered banks for third consecutive year</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bank &amp; Trust Company ("Republic" or "the Bank") has once again been recognized by S&amp;P Global Market Intelligence as a Top 50 Community Bank among institutions with $3–$10 billion in assets. Republic's 24<sup xmlns="http://www.w3.org/1999/xhtml">th</sup> place national ranking makes it the highest‑ranked bank or financial institution headquartered in Kentucky for the third year in a row.

</p><p xmlns="http://www.w3.org/1999/xhtml" id="news-body-cta">This press release features multimedia. View the full release here: <a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260331185753/en/" rel="nofollow">https://www.businesswire.com/news/home/20260331185753/en/</a></p><div xmlns="http://www.w3.org/1999/xhtml" id="bwbodyimg" style="width: 300px; float:left; padding-left:0px; padding-right:20px; padding-top:0px; padding-bottom:0px;"><img xmlns="http://www.w3.org/1999/xhtml" src="https://mms.businesswire.com/media/20260331185753/en/2762484/4/National_-_Large_Community_Banks_-_Black.jpg" alt=""></img></div><p xmlns="http://www.w3.org/1999/xhtml">
"It is an honor that our performance continues to be recognized by S&amp;P Global Market Intelligence as the highest‑ranked bank based in Kentucky," said Steve Trager, Republic Bank Executive Chair. "This recognition is a credit to our associates and their continued focus on disciplined execution and consistent performance."

</p><p xmlns="http://www.w3.org/1999/xhtml">
S&amp;P Global Market Intelligence ranks institutions based on returns, growth and funding, but places an emphasis on the strength and risk profile of balance sheets. Scores are calculated based on eight metrics: pretax return on average assets, net interest margin, efficiency ratio, 3-year average operating revenue change, 8-quarter average deposit change, nonperforming assets and loans 90 days or more past due as a percentage of total assets, net charge-offs-to-average loans and leases ratio, and adjusted tangible common equity-to-tangible assets ratio.

</p><p xmlns="http://www.w3.org/1999/xhtml">
"This national ranking reflects the effectiveness of our operating model and our focus on strong financial fundamentals," said Logan Pichel, Republic Bank President and Chief Executive Officer. "We remain committed to disciplined growth and long‑term stability."

</p><p xmlns="http://www.w3.org/1999/xhtml">
The full list of S&amp;P Global Market Intelligence's 2025 Top 50 Best-Performing U.S. Community Banks can be found <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fpages.marketintelligence.spglobal.com%2F2025-Top-Banks-CU-Rankings-Regional.html&amp;esheet=54475068&amp;newsitemid=20260331185753&amp;lan=en-US&amp;anchor=here&amp;index=1&amp;md5=53c3e9f52e2f3e942014daf7551b9cd9" shape="rect">here</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Republic Bank</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank &amp; Trust Company (the "Bank"). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers located within the Louisville MSA in Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.republicbank.com&amp;esheet=54475068&amp;newsitemid=20260331185753&amp;lan=en-US&amp;anchor=www.republicbank.com&amp;index=2&amp;md5=becc25f51289f18f2c2e3bbb36fec233" shape="rect">www.republicbank.com</a>. The Company is headquartered in Louisville, Kentucky, and as of December 31, 2025, had approximately $7.04 billion in total assets. The Company's Class A Common Stock is listed under the symbol "RBCAA" on the NASDAQ Global Select Market.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260331185753r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260331185753/en/" rel="nofollow">https://www.businesswire.com/news/home/20260331185753/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Courtney Eder 
<b xmlns="http://www.w3.org/1999/xhtml"><br xmlns="http://www.w3.org/1999/xhtml"></br></b>Senior Vice President
<br xmlns="http://www.w3.org/1999/xhtml"></br>Chief Marketing Officer
<br xmlns="http://www.w3.org/1999/xhtml"></br>(502) 584-3600

</p>

RBCAA

Republic Bank Earns Top 25 Community Bank Recognition from S&P Global Market Intelligence

Republic Bank remains top-ranked Kentucky bank for third consecutive year

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>Republic ranked highest among Kentucky-headquartered banks for third consecutive year


Republic Bank &amp;amp; Trust Company (&amp;#34;Republic&amp;#34; or &amp;#34;the Bank&amp;#34;) has once again been recognized by S&amp;amp;P Global Market Intelligence</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>Republic Bank has been ranked 24th nationally among community banks by S&amp;P Global, making it the highest-rated bank in Kentucky for three years. This ongoing recognition highlights Republic&#039;s strong financial management and disciplined growth strategy, potentially boosting investor confidence in RBCAA.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>Republic Bank ranked 24th nationally among community banks with $3-10 billion in assets.</li><li>It is the highest-ranked bank in Kentucky for three consecutive years.</li><li>Ranking emphasizes strong financial fundamentals and effective operating model.</li><li>Republic Bank has approximately $7.04 billion in total assets as of December 31, 2025.</li><li>Recognition reflects disciplined growth and commitment to long-term stability.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>Republic Bancorp, Inc. (RBCAA)</strong>: Rank recognition enhances reputation and may drive stock value.</li></ul>
  </section>

  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>This ranking signifies a Corporate Development within the financial industry, enhancing Republic Bank&#039;s market status and reliability, making it a potentially attractive option for investors.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Top ranking may lead to increased investor interest and confidence in RBCAA.</li><li>Strong financial metrics could attract institutional investors to Republic Bank.</li><li>Continued recognition may enhance Republic&#039;s market visibility and customer acquisition.</li><li>Positive sentiment surrounding the ranking can support RBCAA&#039;s stock price growth.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Ranked 24th in the S&amp;P Top 50 Community Banks.</li><li>Approximately $7.04 billion in total assets as of December 31, 2025.</li><li>Top-ranked bank in Kentucky for three consecutive years.</li><li>S&amp;P ranking based on eight key financial metrics.</li><li>47 banking centers across five metropolitan areas.</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Investors should consider RBCAA for potential upside given its strong ranking and fundamentals.</p>
  </section>
</section>


<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">Republic ranked highest among Kentucky-headquartered banks for third consecutive year</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bank &amp; Trust Company ("Republic" or "the Bank") has once again been recognized by S&amp;P Global Market Intelligence as a Top 50 Community Bank among institutions with $3–$10 billion in assets. Republic's 24<sup xmlns="http://www.w3.org/1999/xhtml">th</sup> place national ranking makes it the highest‑ranked bank or financial institution headquartered in Kentucky for the third year in a row.

</p><p xmlns="http://www.w3.org/1999/xhtml" id="news-body-cta">This press release features multimedia. View the full release here: <a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260331185753/en/" rel="nofollow">https://www.businesswire.com/news/home/20260331185753/en/</a></p><div xmlns="http://www.w3.org/1999/xhtml" id="bwbodyimg" style="width: 300px; float:left; padding-left:0px; padding-right:20px; padding-top:0px; padding-bottom:0px;"><img xmlns="http://www.w3.org/1999/xhtml" src="https://mms.businesswire.com/media/20260331185753/en/2762484/4/National_-_Large_Community_Banks_-_Black.jpg" alt=""></img></div><p xmlns="http://www.w3.org/1999/xhtml">
"It is an honor that our performance continues to be recognized by S&amp;P Global Market Intelligence as the highest‑ranked bank based in Kentucky," said Steve Trager, Republic Bank Executive Chair. "This recognition is a credit to our associates and their continued focus on disciplined execution and consistent performance."

</p><p xmlns="http://www.w3.org/1999/xhtml">
S&amp;P Global Market Intelligence ranks institutions based on returns, growth and funding, but places an emphasis on the strength and risk profile of balance sheets. Scores are calculated based on eight metrics: pretax return on average assets, net interest margin, efficiency ratio, 3-year average operating revenue change, 8-quarter average deposit change, nonperforming assets and loans 90 days or more past due as a percentage of total assets, net charge-offs-to-average loans and leases ratio, and adjusted tangible common equity-to-tangible assets ratio.

</p><p xmlns="http://www.w3.org/1999/xhtml">
"This national ranking reflects the effectiveness of our operating model and our focus on strong financial fundamentals," said Logan Pichel, Republic Bank President and Chief Executive Officer. "We remain committed to disciplined growth and long‑term stability."

</p><p xmlns="http://www.w3.org/1999/xhtml">
The full list of S&amp;P Global Market Intelligence's 2025 Top 50 Best-Performing U.S. Community Banks can be found <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fpages.marketintelligence.spglobal.com%2F2025-Top-Banks-CU-Rankings-Regional.html&amp;esheet=54475068&amp;newsitemid=20260331185753&amp;lan=en-US&amp;anchor=here&amp;index=1&amp;md5=53c3e9f52e2f3e942014daf7551b9cd9" shape="rect">here</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About Republic Bank</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank &amp; Trust Company (the "Bank"). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers located within the Louisville MSA in Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.republicbank.com&amp;esheet=54475068&amp;newsitemid=20260331185753&amp;lan=en-US&amp;anchor=www.republicbank.com&amp;index=2&amp;md5=becc25f51289f18f2c2e3bbb36fec233" shape="rect">www.republicbank.com</a>. The Company is headquartered in Louisville, Kentucky, and as of December 31, 2025, had approximately $7.04 billion in total assets. The Company's Class A Common Stock is listed under the symbol "RBCAA" on the NASDAQ Global Select Market.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260331185753r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260331185753/en/" rel="nofollow">https://www.businesswire.com/news/home/20260331185753/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">MEDIA CONTACT: 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Courtney Eder 
<b xmlns="http://www.w3.org/1999/xhtml"><br xmlns="http://www.w3.org/1999/xhtml"></br></b>Senior Vice President
<br xmlns="http://www.w3.org/1999/xhtml"></br>Chief Marketing Officer
<br xmlns="http://www.w3.org/1999/xhtml"></br>(502) 584-3600

</p>

Republic Bank has been ranked 24th nationally among community banks by S&P Global, making it the highest-rated bank in Kentucky for three years. This ongoing recognition highlights Republic's strong financial management and disciplined growth strategy, potentially boosting investor confidence in RBCAA.

Republic Bank Earns Top 25 Community Bank Recognition from S&P Global Market Intelligence

AI Summary

Sentiment Rationale

Trading Thesis

Market-Moving

Key Facts

Companies Mentioned

Corporate Developments

Related News