Republic Bank & Trust Company
Headquarters
601 W Market St
Louisville, KY 40202
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2026 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 $7.05 billion in assets. Customers can open an account at one of its 47 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 23627 |
| Date Established | 1982 |
| Assets | $ 7.05 billion |
| Loans | $ 5.38 billion |
| Deposits | $ 5.63 billion |
| Capital | $ 1,086.86 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 - October 8, 2026
Your Current Location: New York, NY 10116
Online Only Savings Rates of Memory Bank, a division of Republic Bank & Trust Company
| Online Savings Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Easy Savings
|
0.05% | $0 | - |
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|
Online Only CD Rates of Memory Bank, a division of Republic Bank & Trust Company
| Online CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month CD
|
4.00% | $1,000 | - |
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|
| 11 Month CD
|
4.00% | $1,000 | - |
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|
| 12 Month CD
|
3.10% | $1,000 | - |
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|
| 15 Month CD
|
3.00% | $1,000 | - |
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|
| 18 Month CD
|
3.25% | $1,000 | - |
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|
| 24 Month CD
|
4.00% | $1,000 | - |
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|
| 36 Month CD
|
4.15% | $1,000 | - |
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|
| 48 Month CD
|
4.15% | $1,000 | - |
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|
| 60 Month CD
|
4.25% | $1,000 | - |
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|
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Bank Online Offers
Loan Rates - October 8, 2026
Your Current Location: New York, NY 10116
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.49% | 3.49% | Varies |
| 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:
New York City,New York
Republic Bank & Trust Company Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 559.08 | A | View Lobby Hours | |
| 559.17 | B | View Lobby Hours | |
| 567.99 | C | View Lobby Hours | |
| 571.85 | D | View Lobby Hours | |
| 577.25 | E | View Lobby Hours | |
| 582.68 | F | View Lobby Hours | |
| 583.92 | G | View Lobby Hours | |
| 585.86 | H | View Lobby Hours | |
| 587.17 | I | View Lobby Hours | |
| 588.81 | J | View Lobby Hours | |
| 603.38 | K | View Lobby Hours | |
| 619.97 | L | View Lobby Hours | |
| 634.99 | M | View Lobby Hours | |
| 635.36 | N | View Lobby Hours | |
| 636.63 | O | View Lobby Hours | |
| 636.94 | P | View Lobby Hours | |
| 637.32 | Q | View Lobby Hours | |
| 638.22 | R | View Lobby Hours | |
| 638.81 | S | View Lobby Hours | |
| 639.87 | T | View Lobby Hours | |
| 639.89 | U | View Lobby Hours | |
| 640.63 | V | View Lobby Hours | |
| 642.01 | W | View Lobby Hours | |
| 642.19 | X | View Lobby Hours | |
| 643.46 | Y | View Lobby Hours | |
| 644.75 | 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 |
|---|---|
| 2.69% | 6.04% |
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, 2026, Republic Bank & Trust Company had $30,742,000 in non-current loans and $843,000 in owned real estate. To cover these potential losses it had $1,086,863,000 in equity and $87,767,000 in loans loss reserves. That gives it a Texas Ratio of 2.69%.
Return on Equity
| Republic Bank & Trust Company | U.S. Bank Average |
|---|---|
| 14.26% | 11.52% |
Republic Bank & Trust Company has a Return on Equity of 14.26% versus the BestCashCow average of 11.52%. 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 |
|---|---|
| 15.41% | 11.94% |
Republic Bank & Trust Company has a Capitalization of 15.41% versus the BestCashCow average of 11.94. 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, 2026, Republic Bank & Trust Company had assets of $7,054,835,000, loans of $5,380,746,000, and deposits of $5,625,375,000. 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, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 354.09 million |
| Interest-bearing balances | $ 247.93 million |
| Total securities | $ 887.43 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 5.38 billion |
| Loan loss allowance | $ 87.77 million |
| Trading account assets | $ 4.43 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.84 million |
| Goodwill and other intangibles | $ 48.64 million |
| All other assets | $ 220.34 million |
| Total Assets | $ 5.97 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 5.63 billion |
| Interest-bearing deposits | $ 4.29 billion |
| Deposits held in domestic offices | $ 5.63 billion |
| % insured (estimated) | 54.43% |
| Federal funds purchased and repurchase agreements | $ 68.62 million |
| Trading liabilities | $ 4.52 million |
| Other borrowed funds | $ 62.16 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 64.87 million |
| Total Liabilities | $ 5.97 billion |
| Shareholders’ Equity | $ 1,086.86 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 216.15 million |
| Total Interest Expense | $ 44.17 million |
| Net interest income | $ 171.98 million |
| Provision for loan and lease losses | $ 15.06 million |
| Total non interest income | $ 49.62 million |
| Total non interest expense | $ 108.11 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 | 25.43 | ✓ | ||
| Multifamily Mortgages |
4.33 | ✓ | ||
| Credit Card Loans | 0.29 | ✓ | ||
| Consumer Auto Loans | 0.18 | ✓ | ||
| Small Business Loans | 6.27 | ✓ | ||
| Construction and Development Loans | 2.55 | ✓ | ||
| Commercial Real Estate | 24.71 | ✓ | ||
| Commercial and Industrial Loans | 7.19 | ✓ | ||
| 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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