Republic Bank & Trust Company
Headquarters
601 W Market St
Louisville, KY 40202
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2024 Overview
General Bank Information
Republic Bank & Trust Company is an FDIC insured institution located in Louisville, KY. It was founded in 1982 and has approximately $6.61 billion in assets. Customers can open an account at one of its 47 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 23627 |
| Date Established | 1982 |
| Assets | $ 6.61 billion |
| Loans | $ 5.23 billion |
| Deposits | $ 5.11 billion |
| Capital | $ 911.28 million |
For a more detailed analysis of Republic Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
Bank Online Offers
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.49% | 3.49% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 5.56% | 4.88% | $470.41 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Republic Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Republic Bank & Trust Company Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 89.56 | A | View Lobby Hours | |
| 89.59 | B | View Lobby Hours | |
| 100.42 | C | View Lobby Hours | |
| 108.49 | D | View Lobby Hours | |
| 111.28 | E | View Lobby Hours | |
| 144.96 | F | View Lobby Hours | |
| 154.32 | G | View Lobby Hours | |
| 155.08 | H | View Lobby Hours | |
| 157.26 | I | View Lobby Hours | |
| 158.16 | J | View Lobby Hours | |
| 159.48 | K | View Lobby Hours | |
| 169.49 | L | View Lobby Hours | |
| 178.15 | M | View Lobby Hours | |
| 179.11 | N | View Lobby Hours | |
| 179.79 | O | View Lobby Hours | |
| 181.03 | P | View Lobby Hours | |
| 181.20 | Q | View Lobby Hours | |
| 182.95 | R | View Lobby Hours | |
| 183.01 | S | View Lobby Hours | |
| 183.75 | T | View Lobby Hours | |
| 183.96 | U | View Lobby Hours | |
| 184.33 | V | View Lobby Hours | |
| 185.83 | W | View Lobby Hours | |
| 186.19 | X | View Lobby Hours | |
| 187.90 | Y | View Lobby Hours | |
| 188.19 | Z | View Lobby Hours |
Climate Policy and Initiatives
Republic Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Republic Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Republic Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Republic Bank & Trust Company | U.S. Bank Average |
|---|---|
| 2.2% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Republic Bank & Trust Company had $20,542,000 in non-current loans and $1,265,000 in owned real estate. To cover these potential losses it had $911,281,000 in equity and $80,687,000 in loans loss reserves. That gives it a Texas Ratio of 2.2%.
Return on Equity
| Republic Bank & Trust Company | U.S. Bank Average |
|---|---|
| 12.53% | 10.46% |
Republic Bank & Trust Company has a Return on Equity of 12.53% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Republic Bank & Trust Company | U.S. Bank Average |
|---|---|
| 13.78% | 10.84% |
Republic Bank & Trust Company has a Capitalization of 13.78% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Republic Bank & Trust Company Balance Sheet Analysis
As of June 30, 2024, Republic Bank & Trust Company had assets of $6,610,761,000, loans of $5,225,570,000, and deposits of $5,114,019,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 399.08 million |
| Interest-bearing balances | $ 321.62 million |
| Total securities | $ 552.04 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 5.23 billion |
| Loan loss allowance | $ 80.69 million |
| Trading account assets | $ 7.45 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.27 million |
| Goodwill and other intangibles | $ 49.73 million |
| All other assets | $ 220.34 million |
| Total Assets | $ 5.70 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 5.11 billion |
| Interest-bearing deposits | $ 3.79 billion |
| Deposits held in domestic offices | $ 5.11 billion |
| % insured (estimated) | 64.65% |
| Federal funds purchased and repurchase agreements | $ 72.60 million |
| Trading liabilities | $ 8.08 million |
| Other borrowed funds | $ 62.16 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 64.87 million |
| Total Liabilities | $ 5.70 billion |
| Shareholders’ Equity | $ 911.28 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 228.08 million |
| Total Interest Expense | $ 62.88 million |
| Net interest income | $ 165.20 million |
| Provision for loan and lease losses | $ 35.54 million |
| Total non interest income | $ 41.69 million |
| Total non interest expense | $ 100.30 million |
| Pre-tax Net Operating Income | $ 65.73 million |
Bank Loan Profile?
The top three loan types in Republic Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks in Kentucky, Republic Bank & Trust Company has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 26.18 | ✓ | ||
| Multifamily Mortgages |
4.46 | ✓ | ||
| Credit Card Loans | 0.30 | ✓ | ||
| Consumer Auto Loans | 0.18 | ✓ | ||
| Small Business Loans | 7.04 | ✓ | ||
| Construction and Development Loans | 2.63 | ✓ | ||
| Commercial Real Estate | 25.44 | ✓ | ||
| Commercial and Industrial Loans | 7.40 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Customer Reviews for Republic Bank & Trust Company
JEKuhn
May 20, 2017
I received a check from them, misplaced it and now have found. Two years old. What now?
Is this review helpful? Yes:0 / No: 0
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