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Dec 31, 2025
Republic Bancorp Q4 2025 Earnings Report
Republic Bancorp reported higher profitability with double-digit growth in quarterly earnings.
Key Takeaways
Republic Bancorp delivered strong Q4 2025 results, driven by higher net interest income and improved margins, resulting in a 20% increase in net income year over year.
Net income increased 20% year over year to $22.8 million
Diluted EPS rose 19% to $1.17
Return on average assets reached 1.28%
Net interest margin expanded to 3.87%
Revenue by Segment
Forward Guidance
Management expressed confidence in continued strong performance entering 2026, supported by solid credit quality, liquidity, and capital levels.
Positive Outlook
- Strong credit quality metrics
- Improving net interest margin
- Robust liquidity position
- Disciplined loan and deposit pricing
- Diversified business model
Challenges Ahead
- Uncertain interest rate environment
- Potential economic volatility
- Higher loan loss provisioning risk
- Competitive deposit pricing pressures
- Regulatory and macroeconomic risks
Historical Earnings Impact
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Avg. Return Before/After Earnings
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