Republic Bank & Trust Company Mortgage Rates, Fees & Info

Louisville, KY

LEI: X6T32LKEPUT8LQMW6755

Tax ID: 61-0197400

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Republic Bank & Trust Company is a smaller bank specializing in Home Purchase loans. Republic Bank & Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Lexington, Cincinnati, Nashville, and Tampa among others. We have data for 55 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Republic Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Republic Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.55% 12/3/24
    30 Year Conventional Purchase 6.27% 12/3/24
    30 Year Conventional Refi 6.32% 12/3/24
    30 Year Cash-out Refi 6.47% 12/3/24
    30 Year FHA Purchase 7.60% 12/3/24
    30 Year FHA Refi 6.27% 12/3/24
    30 Year VA Purchase 6.24% 12/3/24
    30 Year VA Refi 6.27% 12/3/24
    30 Year USDA Purchase 6.27% 12/3/24
    15 Year Conventional Purchase 6.03% 12/3/24
    15 Year Conventional Refi 6.18% 12/3/24
    15 Year Cash-out Refi 6.18% 12/3/24
    15 Year FHA Refi 7.13% 12/3/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Republic Bank & Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Republic Bank & Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,469

    Origination Dollar Volume (All Markets)

    $568,645,000

    Employee count

    1,051

    Awards

    Republic Bank & Trust Company 30 Year Conventional Loans silver Republic Bank & Trust Company 30 Year Conventional Loans bronze Republic Bank & Trust Company 30 Year Conventional Loans bronze Republic Bank & Trust Company VA Loans silver
    Show all (4) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LOUISVILLE, KY (FHA|USDA|VA) 2,307 $340,905,000 $147,770 $2,622 4.69%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 343 $62,535,000 $182,318 $2,723 4.70%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 150 $42,600,000 $284,000 $2,645 4.62%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 147 $31,785,000 $216,224 $3,668 4.74%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 157 $31,105,000 $198,121 $3,729 4.31%
    OWENSBORO, KY (FHA|USDA|VA) 121 $10,875,000 $89,876 $2,305 4.65%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 55 $6,495,000 $118,091 $3,219 4.33%
    Outside of Metro Areas 33 $4,715,000 $142,879 $2,987 4.63%
    Frankfort, KY (FHA|USDA|VA) 30 $4,330,000 $144,333 $3,704 4.55%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $2,780,000 $198,571 $4,180 4.72%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $2,770,000 $1,385,000 $0 4.55%
    Bardstown, KY (FHA|USDA|VA) 15 $2,165,000 $144,333 $3,443 4.46%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $2,125,000 $2,125,000 $0 5.00%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,970,000 $985,000 $0 4.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,920,000 $320,000 $2,963 4.66%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $1,905,000 $211,667 $5,143 4.49%
    Richmond-Berea, KY (FHA|USDA|VA) 9 $1,495,000 $166,111 $1,611 4.52%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $985,000 $197,000 $5,531 4.97%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $920,000 $460,000 $3,307 4.96%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $885,000 $295,000 $3,011 5.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $835,000 $835,000 $0 4.25%
    Shelbyville, TN (FHA|USDA|VA) 3 $745,000 $248,333 $4,924 4.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $735,000 $735,000 $4,408 4.75%
    BOWLING GREEN, KY (FHA|USDA|VA) 5 $735,000 $147,000 $2,391 4.59%
    COLUMBUS, OH (FHA|USDA|VA) 3 $735,000 $245,000 $3,745 4.54%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $665,000 $221,667 $3,195 4.63%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $580,000 $290,000 $3,076 3.81%
    Scottsburg, IN (FHA|USDA|VA) 4 $570,000 $142,500 $1,446 5.02%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $570,000 $285,000 $3,907 4.96%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $500,000 $250,000 $2,433 3.88%
    MOBILE, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,842 4.38%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $470,000 $235,000 $3,154 4.93%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $5,790 4.38%
    OCALA, FL (FHA|USDA|VA) 2 $450,000 $225,000 $3,603 3.88%
    Lewisburg, TN (FHA|USDA|VA) 2 $430,000 $215,000 $6,914 4.19%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $380,000 $190,000 $4,713 4.94%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,788 4.63%
    Campbellsville, KY (FHA|USDA|VA) 2 $340,000 $170,000 $2,786 4.81%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $335,000 $335,000 $2,578 3.75%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,543 3.75%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,109 4.88%
    Mount Sterling, KY (FHA|USDA|VA) 2 $280,000 $140,000 $2,367 4.68%
    Athens, OH (FHA|USDA|VA) 1 $265,000 $265,000 $2,865 3.75%
    Cullowhee, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,314 4.13%
    Central City, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,894 4.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,222 4.50%
    Paducah, KY-IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,588 4.63%
    Summerville, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,279 4.88%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,932 4.50%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,615 4.38%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,398 4.88%
    Somerset, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,672 4.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,646 4.88%
    Danville, KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.75%
    Richmond, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,852 4.50%
    Republic Bank & Trust Company's top markets include Louisville, Lexington, Cincinnati, Nashville, and Tampa among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Republic Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Polish-American Federal Credit Union
    Similarity Rank: 32
    MYPOINT Credit Union
    Similarity Rank: 55
    McCoy Federal Credit Union
    Similarity Rank: 60
    Iron Workers Savings Bank
    Similarity Rank: 63
    Town Square Bank
    Similarity Rank: 90
    Dort Financial Credit Union
    Similarity Rank: 95
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Community Bank of Trenton
    Similarity Rank: 108
    Haddon Savings Bank
    Similarity Rank: 116
    St James Mortgage Corporation
    Similarity Rank: 120

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,083 $426,735,000 $204,866 $2,546 4.87%
    HELOC 1,267 $119,125,000 $94,021 n/a 4.32%
    FHA 80 $13,550,000 $169,375 $5,978 4.64%
    VA 30 $7,710,000 $257,000 $6,255 4.43%
    USDA 9 $1,525,000 $169,444 $4,409 4.42%

    For 2018, Republic Bank & Trust Company's most frequently originated type of loan was Conventional, with 2,083 originations. Their 2nd most popular type was HELOC, with 1,267 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,538 $323,250,000 $210,176 $3,052 4.82%
    Cash Out Refi 725 $98,415,000 $135,745 $2,487 4.83%
    Other 510 $38,050,000 $74,608 $1,335 4.29%
    Home Improvement 382 $34,040,000 $89,110 $1,502 4.20%
    Refi 314 $74,890,000 $238,503 $2,530 4.62%

    For 2018, Republic Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 1,538 originations. The 2nd most popular reason was Cash Out Refi, with 725 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 1,674 $213,460,000 $127,515 $1,123 4.51%
    30 Year 1,315 $282,455,000 $214,795 $3,170 4.74%
    15 Year 252 $30,210,000 $119,881 $2,051 4.92%
    20 Year 123 $14,035,000 $114,106 $1,816 4.75%
    1 Year 45 $9,715,000 $215,889 $1,153 5.53%
    Other 30 $6,220,000 $207,333 $1,887 5.12%
    5 Year 29 $9,885,000 $340,862 $1,000 4.85%
    3 Year 1 $2,665,000 $2,665,000 $0 5.15%

    For 2018, Republic Bank & Trust Company's most frequently cited loan duration was 10 Year, with 1,674 originations. The 2nd most popular length was 30 Year, with 1,315 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,322 $246,730,000 $186,634
    $1k-2k 381 $68,135,000 $178,832
    $2k-3k 48 $12,150,000 $253,125
    $3k-4k 11 $2,715,000 $246,818
    $4k-5k 8 $1,950,000 $243,750
    $5k+ 6 $1,750,000 $291,667

    Republic Bank & Trust Company's average total fees were $3,170, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,322 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,650 $322,640,000 $195,539
    5-6% 852 $138,830,000 $162,946
    3-4% 687 $83,595,000 $121,681
    2.5-3% 150 $13,550,000 $90,333
    6-7% 108 $9,600,000 $88,889
    7-8% 14 $390,000 $27,857

    During 2018, Republic Bank & Trust Company's average interest rate for loans was 4.74%, while their most frequently originated rate bucket for loans was 4-5%, with 1,650 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,488 $75,110,000 $50,477 $1,686 4.60%
    $100k-200k 1,134 $159,880,000 $140,988 $2,785 4.74%
    $200k-400k 634 $169,730,000 $267,713 $3,474 4.64%
    $400k-600k 129 $60,795,000 $471,279 $3,875 4.70%
    $600k-1MM 57 $43,055,000 $755,351 $4,488 4.71%
    $1MM+ 27 $60,075,000 $2,225,000 $5,091 4.74%

    2018 saw Republic Bank & Trust Company place emphasis on $100,000 or less loans with 1,488 originations, totaling $75,110,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 770 $67,870,000 $88,143 $2,387 4.70%
    $50k-75k 650 $74,060,000 $113,938 $2,723 4.62%
    $100k-150k 567 $84,565,000 $149,145 $2,893 4.65%
    $75k-100k 463 $55,425,000 $119,708 $3,077 4.56%
    $150k-250k 368 $72,980,000 $198,315 $2,900 4.51%
    $250k+ 283 $104,205,000 $368,216 $3,538 4.58%

    Republic Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 770 originations. The second most popular income band? $50k-75k, with 650 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 869 $128,945,000 $148,383 $2,682 4.55%
    30-36% 609 $88,015,000 $144,524 $2,646 4.64%
    <20% 457 $64,745,000 $141,674 $2,625 4.38%
    40% 134 $18,410,000 $137,388 $2,654 4.72%
    39% 127 $18,045,000 $142,087 $2,465 4.69%
    38% 125 $15,585,000 $124,680 $2,298 4.78%
    41% 119 $16,705,000 $140,378 $2,834 4.80%
    36% 116 $16,470,000 $141,983 $3,054 4.58%
    37% 113 $15,485,000 $137,035 $2,670 4.72%
    42% 100 $15,520,000 $155,200 $2,556 4.77%
    43% 46 $7,660,000 $166,522 $3,169 4.70%
    44% 46 $8,390,000 $182,391 $3,046 4.77%
    47% 45 $8,165,000 $181,444 $3,395 4.70%
    45% 41 $8,075,000 $196,951 $3,349 4.80%
    46% 35 $6,255,000 $178,714 $3,500 4.65%
    50-60% 34 $6,300,000 $185,294 $4,792 4.84%
    48% 32 $5,090,000 $159,063 $3,407 4.73%
    49% 29 $5,925,000 $204,310 $3,592 4.45%
    >60% 15 $2,445,000 $163,000 $1,944 5.03%

    Republic Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 869 originations. The next most common DTI ratio? 30-36%, with 609 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,758 $413,300,000 $149,855 $2,781 4.61%
    Not applicable 278 $94,150,000 $338,669 $0 5.09%
    Black 205 $24,265,000 $118,366 $2,614 4.95%
    Not provided 129 $17,095,000 $132,519 $2,794 4.25%
    Asian 71 $13,575,000 $191,197 $2,894 4.62%
    Other Asian 9 $2,645,000 $293,889 $2,674 5.02%
    Asian Indian 5 $1,915,000 $383,000 $3,924 4.00%
    American Indian 9 $1,045,000 $116,111 $2,974 4.93%
    Native Hawaiian or Islander 2 $320,000 $160,000 $2,404 4.69%
    Japanese 1 $135,000 $135,000 $6,197 5.38%
    Other Pacific Islander 1 $115,000 $115,000 $4,515 5.38%
    Vietnamese 1 $85,000 $85,000 $1,429 4.88%

    Approval Rates

    Total approvals of all applications
    92.46%

    Republic Bank & Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.05%

    Republic Bank & Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $105,000 $105,000
    NA 3,468 $568,540,000 $163,939

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,255,000 $1,255,000
    Multifamily:Site-Built 76 $62,350,000 $820,395
    Single Family (1-4 Units):Manufactured 8 $780,000 $97,500
    Single Family (1-4 Units):Site-Built 3,384 $504,260,000 $149,013

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 578 $59,700,000 $103,287 $1,693 4.53%
    40-60% 350 $61,590,000 $175,971 $2,520 4.62%
    60-80% 686 $160,620,000 $234,140 $2,889 4.67%
    80-100% 1,117 $255,785,000 $228,993 $3,177 4.83%
    Over 100% 11 $2,865,000 $260,455 $9,341 4.54%
    Under 20% 727 $28,085,000 $38,631 $855 4.52%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Republic Bank & Trust Company 100 Highway 676 Frankfort, KY 40601 Full Service B&M $73,613
    Republic Bank & Trust Company 10100 Brookridge Village Blvd Louisville, KY 40291 Full Service B&M $72,758
    Republic Bank & Trust Company 113 Seaboard Lane Franklin, TN 37067 Full Service B&M $27,873
    Republic Bank & Trust Company 11330 Main Street Middletown, KY 40243 Full Service B&M $98,339
    Republic Bank & Trust Company 11502 North 56th Street Temple Terrace, FL 33617 Full Service B&M $36,842
    Republic Bank & Trust Company 12933 Walsingham Road Largo, FL 33774 Full Service B&M $23,386
    Republic Bank & Trust Company 1300 N. Westshore Blvd. Tampa, FL 33607 Full Service B&M $26,945
    Republic Bank & Trust Company 1420 Poplar Level Road Louisville, KY 40213 Full Service B&M $46,470
    Republic Bank & Trust Company 1690 Ring Road Avenue Elizabethtown, KY 42701 Full Service B&M $49,254
    Republic Bank & Trust Company 2020 W. Broadway Louisville, KY 40203 Full Service B&M $5,401
    Republic Bank & Trust Company 2034 Richard Jones Road Nashville, TN 37215 Full Service B&M $13,632
    Republic Bank & Trust Company 2401 Harrodsburg Road Lexington, KY 40504 Full Service B&M $65,363
    Republic Bank & Trust Company 25 Town Center Blvd., Suite 101 Crestview Hills, KY 41017 Full Service B&M $17,575
    Republic Bank & Trust Company 2801 Bardstown Road Louisville, KY 40205 Full Service B&M $89,192
    Republic Bank & Trust Company 3001 Charlestown Crossing Way Ste 5 New Albany, IN 47150 Full Service B&M $44,415
    Republic Bank & Trust Company 3098 Helmsdale Lexington, KY 40509 Full Service B&M $36,064
    Republic Bank & Trust Company 3141 Highway 62 Jeffersonville, IN 47130 Full Service B&M $26,914
    Republic Bank & Trust Company 333 West Vine Street Lexington, KY 40507 Full Service Retail $63,517
    Republic Bank & Trust Company 3332 Villa Point Owensboro, KY 42303 Full Service B&M $12,035
    Republic Bank & Trust Company 3333 Frederica Street Owensboro, KY 42301 Full Service B&M $37,398
    Republic Bank & Trust Company 35 Village Plaza Shelbyville, KY 40065 Full Service B&M $67,397
    Republic Bank & Trust Company 3608 Walden Drive Lexington, KY 40517 Full Service B&M $36,665
    Republic Bank & Trust Company 3726 Lexington Road Louisville, KY 40207 Full Service B&M $70,280
    Republic Bank & Trust Company 3811 Ruckriegel Pkwy Louisville, KY 40299 Full Service B&M $65,800
    Republic Bank & Trust Company 3902 Taylorsville Road Louisville, KY 40220 Full Service B&M $42,569
    Republic Bank & Trust Company 3950 Kresge Way St. Matthews, KY 40207 Full Service B&M $34,730
    Republic Bank & Trust Company 4030 Smith Road Cincinnati, OH 45209 Full Service B&M $58,582
    Republic Bank & Trust Company 430 Connector Road Georgetown, KY 40324 Full Service B&M $17,477
    Republic Bank & Trust Company 438 Highway 44 East Shepherdsville, KY 40165 Full Service B&M $27,987
    Republic Bank & Trust Company 4571 Duffy Road Floyds Knobs, IN 47119 Full Service B&M $25,100
    Republic Bank & Trust Company 4808 Outer Loop Louisville, KY 40219 Full Service B&M $56,408
    Republic Bank & Trust Company 4921 Old Brownsboro Road Louisville, KY 40222 Full Service B&M $63,465
    Republic Bank & Trust Company 5125 New Cut Road Louisville, KY 40214 Full Service B&M $22,843
    Republic Bank & Trust Company 5320 Dixie Highway Louisville, KY 40216 Full Service B&M $52,838
    Republic Bank & Trust Company 535 Madison Ave. Covington, KY 41011 Full Service B&M $26,488
    Republic Bank & Trust Company 601 West Market Street Louisville, KY 40202 Full Service B&M $477,686
    Republic Bank & Trust Company 6300 4th Street North Saint Petersburg, FL 33702 Full Service B&M $115,692
    Republic Bank & Trust Company 641 East Euclid Ave Lexington, KY 40502 Full Service B&M $30,546
    Republic Bank & Trust Company 6600 Central Avenue Saint Petersburg, FL 33707 Full Service B&M $74,772
    Republic Bank & Trust Company 661 South Hurstborne Parkway Louisville, KY 40223 Full Service B&M $924,029
    Republic Bank & Trust Company 7800 Seminole Boulevard Seminole, FL 33772 Full Service B&M $35,792
    Republic Bank & Trust Company 8513 Ushwy 42 Florence, KY 41042 Full Service B&M $38,693
    Republic Bank & Trust Company 9037 U.S. Highway 19 North Port Richey, FL 34668 Full Service B&M $57,413
    Republic Bank & Trust Company 9101 Ushwy 42 Prospect, KY 40059 Full Service B&M $68,969
    Republic Bank & Trust Company 9600 Brownsboro Rd Louisville, KY 40241 Full Service B&M $213,424

    For 2018, Republic Bank & Trust Company had 45 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $255,855
    Net interest income $227,237
    Total noninterest income $63,789
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $14,194
    Trading account gains and fees $320
    Additional Noninterest Income $49,275
    Pre-tax net operating income $94,836
    Securities gains (or losses, -) $-59
    Income before extraordinary items $78,028
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $78,028
    Minority interest net income $0
    Net income $78,028
    Sale, conversion, retirement of capital stock, net $1,757
    Net operating income $78,076

    Republic Bank & Trust Company's gross interest income from loans was $255,855,000.
    Republic Bank & Trust Company's net interest income from loans was $227,237,000.
    Republic Bank & Trust Company's fee based income from loans was $14,194,000.
    Republic Bank & Trust Company's net income from loans was $78,028,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,618
    Provision for credit losses $31,368
    Total noninterest expense $164,822
    Salaries and employee benefits $90,965
    Premises and equipment expense $25,410
    Additional noninterest expense $48,447
    Applicable income taxes $16,749
    Net charge-offs $29,462
    Cash dividends $21,340

    Republic Bank & Trust Company's interest expense for loans was $28,618,000.
    Republic Bank & Trust Company's payroll and benefits expense were $90,965,000.
    Republic Bank & Trust Company's property, plant and equipment expenses $25,410,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.9%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,555,599
    Deposits held in domestic offices $3,555,599
    Deposits by Individuals, partnerships, and corporations $3,406,973
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $115,408
    Deposits by Commercial banks and other depository institutions in U.S. $33,214
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $43,880
    Demand deposits $17,137
    Nontransaction accounts $3,511,719
    Money market deposit accounts (MMDAs) $2,835,140
    Other savings deposits (excluding MMDAs) $260,103
    Total time deposits $416,476
    Total time and savings deposits $3,538,462
    Noninterest-bearing deposits $1,100,880
    Interest-bearing deposits $2,454,719
    Retail deposits $3,464,251
    IRAs and Keogh plan accounts $57,628
    Brokered deposits $13,744
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,230,165
    Cash & Balances due from depository institutions $348,265
    Interest-bearing balances $269,599
    Total securities $539,696
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,125,494
    Loan and leases loss allowance $44,675
    Trading account assets $1,264
    Bank premises and fixed assets $44,420
    Other real estate owned $160
    Goodwill and other intangibles $21,873
    All other assets $148,993

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,230,165
    Total Liabilities $4,604,350
    Total deposits $3,555,599
    Interest-bearing deposits $2,454,719
    Deposits held in domestic offices $3,555,599
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $182,990
    Trading liabilities $908
    Other borrowed funds $810,000
    Subordinated debt $0
    All other liabilities $54,853

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,125,494
    Loan and leases loss allowance $44,675
    Total loans and leases (domestic) $4,170,169
    All real estate loans $3,010,314
    Real estate loans in domestic offices $3,010,314
    Construction and development loans $175,178
    Residential 1-4 family construction $28,787
    Other construction, all land development and other land $146,391
    Loans secured by nonfarm nonresidential properties $1,061,852
    Nonfarm nonresidential secured by owner-occupied properties $502,574
    Commercial real estate & other non-farm, non-residential $559,278
    Multifamily residential real estate $171,189
    1-4 family residential loans $1,586,198
    Farmland loans $15,897
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $351,283
    To non-U.S. addressees $0
    Loans to individuals $220,961
    Credit card loans $20,344
    Related Plans $67,068
    Consumer Auto Loans $63,475
    Other loans to individuals $70,074
    All other loans & leases $587,611
    Loans to foreign governments and official institutions $0
    Other loans $519,338
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $24,613
    Non 1-4 family restructured loans & leases $7,451
    Total loans and leases (foreign) $0

    Republic Bank & Trust Company had $4,125,494,000 of loans outstanding in 2018. $3,010,314,000 of loans were in real estate loans. $175,178,000 of loans were in development loans. $171,189,000 of loans were in multifamily mortgage loans. $1,586,198,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $20,344,000 of loans were in credit card loans. $63,475,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,625 $424,862 $261,454
    Nonfarm, nonresidential loans - <$100k 219 $10,556 $48,201
    Nonfarm, nonresidential loans - $100-250k 536 $69,538 $129,735
    Nonfarm, nonresidential loans - $250k-1MM 870 $344,768 $396,285
    Commercial & Industrial, US addressed loans - <$1MM 1,099 $141,173 $128,456
    Commercial & Industrial, US addressed loans - <$100k 491 $14,078 $28,672
    Commercial & Industrial, US addressed loans - $100-250k 339 $35,762 $105,493
    Commercial & Industrial, US addressed loans - $250k-1MM 269 $91,333 $339,528
    Farmland loans - <$1MM 19 $2,400 $126,316
    Farmland loans - <$100k 4 $181 $45,250
    Farmland loans - $100-250k 11 $1,074 $97,636
    Farmland loans - $250k-1MM 4 $1,145 $286,250