Republic Bank & Trust Company: how it compares with its peers
Against 238 U.S. banks with half to twice its assets, Republic Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (5.24% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($7.4M vs. $10.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.13% | 1.34% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.24% | 3.68% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.70% | 55.06% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $10.0M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.65% | 88.12% | Context |
What it means for lending operations
Its efficiency ratio of 48.70% is better than the 55.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Johnson Bank Racine, WI · $7.07B
- Mid Penn Bank Millersburg, PA · $7.04B
- Cambridge Savings Bank Cambridge, MA · $6.98B
- The Farmers National Bank of Canfield Canfield, OH · $7.16B
- Community Trust Bank, Inc. Pikeville, KY · $6.95B
- The Camden National Bank Camden, ME · $6.94B
Questions about Republic Bank & Trust Company
How big is Republic Bank & Trust Company?
Republic Bank & Trust Company, established in 1982, is headquartered in Louisville, KY. It reported $7.05B in total assets in its Q2 2026 FDIC call report and operates 48 offices.
What is Republic Bank & Trust Company's return on assets?
2.13% annualized in Q2 2026, against a 1.34% median for 238 U.S. banks with half to twice its assets, ahead of 92% of them.
What is Republic Bank & Trust Company's efficiency ratio?
48.70% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 55.06%, and lower is better.
Is Republic Bank & Trust Company growing its loans?
Net loans grew 1.0% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.