Risk factors

Republic Bancorp (RBCAA) risk factors

Item 1A of every Republic Bancorp Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    45 risks, 6 new, 9 dropped, 17 reworded since the prior year. RCS now highlights dependence on selling originated loans; failure could force it to stop new loans or retain 100% of some balances.

    Filed Mar 06, 2026
  • FY2024 10-K risk factors

    48 risks. Funding and liquidity pressure is prominent: 37% of deposits were uninsured, while large depositors, brokered deposits, and FHLB advances support funding.

    Filed Mar 06, 2025