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

Republic Bank & Trust Company ("Republic" or "the Bank") has once again been recognized by S&P Global Market Intelligence as a Top 50 Community Bank among institutions with $3–$10 billion in assets. Republic's 24^th place national ranking makes it the highest‑ranked bank or financial institution headquartered in Kentucky for the third year in a row.

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"It is an honor that our performance continues to be recognized by S&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."

S&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.

"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."

The full list of S&P Global Market Intelligence's 2025 Top 50 Best-Performing U.S. Community Banks can be found here.

About Republic Bank

Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank & 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 www.republicbank.com. 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.

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