BlastPoint's Banking Scorecard
Republic Bank & Trust Company
Mid-Market
Specialty: Commercial
KY
FDIC cert 23627
Louisville, KY
201
banks in Mid-Market tier nationally
3 in KY
View Mid-Market leaderboard (KY) →
Republic Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 14% in Mid-Market
- + Revenue Diversifier: Top 50% in Mid-Market
- + Net Interest Margin 1.82% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Mid-Market
- - Loan-to-Deposit Ratio 18.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
+2.9% YoY
+0.4% QoQ
|
-$3.4B |
$10.5B
+2.9% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$5.5B
+1.8% YoY
+4.5% QoQ
|
-$1.7B |
$7.1B
+4.5% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$5.3B
+0.1% YoY
-2.4% QoQ
|
-$3.3B |
$8.5B
+3.0% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.89%
+24.7% YoY
-9.4% QoQ
|
+0.72% |
1.16%
+9.4% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
5.22%
+3.4% YoY
-2.3% QoQ
|
+1.82% |
3.40%
+7.9% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
52.44%
+0.2% YoY
+4.3% QoQ
|
-4.17% |
56.60%
-3.2% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.52%
+22.6% YoY
+25.5% QoQ
|
-0.16% |
0.68%
+12.0% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
103.92%
+1.7% YoY
+7.1% QoQ
|
+18.45% |
85.47%
+1.1% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.75%
-0.7% YoY
-2.4% QoQ
|
+3.11% |
20.64%
-0.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.42%
+20.6% YoY
+29.0% QoQ
|
-0.08% |
0.50%
+7.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.55%
+4.4% YoY
-2.8% QoQ
|
+2.00% |
13.55%
+1.8% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
1.18%
+10.8% YoY
+22.3% QoQ
|
+0.22% |
0.96%
+7.1% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#8 of 51 · Top 14% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.89%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#25 of 49 · Top 50% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.18%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.89%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 5%
in Mid-Market
Why this stands out
Current:
5.22%
(Tier avg: 3.40%, National avg: 3.75%)
Concerns (2)
Credit Risk Growth
risk
#7 of 87 · Bottom 7% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
103.92%
(Tier avg: 85.47%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.40%
91
91th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
85
85th pctile
Tier 1 Capital Ratio
Current: 15.55% · Tier avg: 13.55%
84
84th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.96%
67
67th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 56.60%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 23.75% · Tier avg: 20.64%
56
56th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
45
45th pctile
Total Loans
Current: $5.5B · Tier avg: $7.1B
35
35th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
25
25th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.92% · Tier avg: 85.47%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.92% · Tier avg: 85.47%
25
25th pctile
Total Deposits
Current: $5.3B · Tier avg: $8.5B
35
35th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
45
45th pctile
Total Loans
Current: $5.5B · Tier avg: $7.1B
50
50th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 23.75% · Tier avg: 20.64%
67
67th pctile
Efficiency Ratio
Current: 52.44% · Tier avg: 56.60%
84
84th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.96%
85
85th pctile
Tier 1 Capital Ratio
Current: 15.55% · Tier avg: 13.55%
91
91th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.40%