v3.25.2
LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - RISK CATEGORY (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Loans          
Revolving Loans Amortized Cost Basis $ 1,345,710   $ 1,345,710   $ 1,147,099
Revolving Loans Converted To Term Loans 240,499   240,499   215,439
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     9,170   20,406
Lease          
Year One 20,615   20,615   34,335
Year Two 28,621   28,621   34,508
Year Three 30,028   30,028   15,833
Year Four 12,187   12,187   5,830
Year Five 3,613   3,613   2,299
Prior 1,483   1,483   499
Total Loans 96,547   96,547   93,304
Lease, Gross Charge-offs          
Year Two         45
Year Three     107   124
Year Four     31    
Year Five         4
Prior         32
Total     138   205
Loans and Lease          
Year One 240,672   240,672   618,491
Year Two 395,770   395,770   809,809
Year Three 760,011   760,011   768,296
Year Four 710,972   710,972   613,791
Year Five 568,169   568,169   569,638
Prior 1,111,217   1,111,217   696,903
Total loans 5,373,020 $ 5,264,270 5,373,020 $ 5,264,270 5,439,466
Loans and Lease, Gross Charge-offs          
Year One     15,520   24,362
Year Two     9,558   10,383
Year Three     109   192
Year Four     67   14
Year Five     1   4
Prior     12   33
Total, YTD Gross Charge-offs 29,913 $ 37,340 34,437 $ 42,267 55,394
Pass          
Loans          
Revolving Loans Amortized Cost Basis 1,341,741   1,341,741   1,143,030
Revolving Loans Converted To Term Loans 240,155   240,155   215,095
Lease          
Year One 20,615   20,615   34,335
Year Two 28,579   28,579   34,370
Year Three 29,718   29,718   15,427
Year Four 11,879   11,879   5,759
Year Five 3,513   3,513   2,226
Prior 1,481   1,481   451
Total Loans 95,785   95,785   92,568
Loans and Lease          
Year One 239,547   239,547   614,658
Year Two 393,601   393,601   808,179
Year Three 758,069   758,069   757,773
Year Four 700,790   700,790   603,642
Year Five 558,199   558,199   558,960
Prior 1,067,525   1,067,525   655,118
Total loans 5,299,627   5,299,627   5,356,455
Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 743   743   1,260
Lease          
Year Two         23
Year Three 42   42   46
Year Four 74   74   41
Year Five 90   90   73
Prior 2   2   48
Total Loans 208   208   231
Loans and Lease          
Year One 765   765   2,402
Year Two 1,775   1,775   382
Year Three 481   481   7,524
Year Four 7,272   7,272   6,999
Year Five 2,638   2,638   5,794
Prior 9,667   9,667   29,922
Total loans 23,341   23,341   54,283
Substandard          
Loans          
Revolving Loans Amortized Cost Basis 3,226   3,226   2,809
Revolving Loans Converted To Term Loans 344   344   344
Lease          
Year Two 42   42   115
Year Three 268   268   360
Year Four 234   234   30
Year Five 10   10    
Total Loans 554   554   505
Loans and Lease          
Year One 360   360   1,431
Year Two 394   394   1,248
Year Three 1,461   1,461   2,999
Year Four 2,910   2,910   3,150
Year Five 7,332   7,332   4,884
Prior 34,025   34,025   11,863
Total loans 50,052   50,052   28,728
Residential real estate | Residential Real Estate - Owner Occupied          
Loans          
Year One 70,696   70,696   80,749
Year Two 66,242   66,242   237,733
Year Three 224,749   224,749   184,269
Year Four 177,106   177,106   160,640
Year Five 148,750   148,750   154,631
Prior 336,343   336,343   205,597
Revolving Loans Converted To Term Loans 8,012   8,012   8,840
Loans 1,031,898   1,031,898   1,032,459
Loans, Gross Charge-offs          
Year Two         10
Year Three         39
Year Four     18   13
Prior     11    
Total     29   62
Residential real estate | Residential Real Estate - Owner Occupied | Pass          
Loans          
Year One 70,696   70,696   79,874
Year Two 65,890   65,890   236,681
Year Three 223,622   223,622   181,703
Year Four 172,813   172,813   157,834
Year Five 145,734   145,734   150,449
Prior 318,978   318,978   191,013
Revolving Loans Converted To Term Loans 8,012   8,012   8,840
Loans 1,005,745   1,005,745   1,006,394
Residential real estate | Residential Real Estate - Owner Occupied | Special Mention          
Loans          
Year Four 1,704   1,704    
Year Five         83
Prior 4,088   4,088   4,343
Loans 5,792   5,792   4,426
Residential real estate | Residential Real Estate - Owner Occupied | Substandard          
Loans          
Year One         875
Year Two 352   352   1,052
Year Three 1,127   1,127   2,566
Year Four 2,589   2,589   2,806
Year Five 3,016   3,016   4,099
Prior 13,277   13,277   10,241
Loans 20,361   20,361   21,639
Residential real estate | Residential Real Estate - Non Owner Occupied          
Loans          
Year One 8,004   8,004   15,147
Year Two 13,455   13,455   53,718
Year Three 51,776   51,776   60,571
Year Four 53,954   53,954   69,355
Year Five 66,659   66,659   57,310
Prior 107,092   107,092   59,564
Revolving Loans Converted To Term Loans 2,417   2,417   2,431
Loans 303,357   303,357   318,096
Residential real estate | Residential Real Estate - Non Owner Occupied | Pass          
Loans          
Year One 8,004   8,004   15,147
Year Two 13,455   13,455   53,718
Year Three 51,776   51,776   58,776
Year Four 53,954   53,954   69,355
Year Five 66,659   66,659   57,310
Prior 106,958   106,958   59,130
Revolving Loans Converted To Term Loans 2,417   2,417   2,431
Loans 303,223   303,223   315,867
Residential real estate | Residential Real Estate - Non Owner Occupied | Special Mention          
Loans          
Year Three         1,795
Prior         20
Loans         1,815
Residential real estate | Residential Real Estate - Non Owner Occupied | Substandard          
Loans          
Prior 134   134   414
Loans 134   134   414
Residential real estate | Home equity lines of credit          
Loans          
Revolving Loans Amortized Cost Basis 387,599   387,599   353,441
Loans 387,599   387,599   353,441
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis         64
Total         64
Residential real estate | Home equity lines of credit | Pass          
Loans          
Revolving Loans Amortized Cost Basis 384,195   384,195   350,828
Loans 384,195   384,195   350,828
Residential real estate | Home equity lines of credit | Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 325   325   100
Loans 325   325   100
Residential real estate | Home equity lines of credit | Substandard          
Loans          
Revolving Loans Amortized Cost Basis 3,079   3,079   2,513
Loans 3,079   3,079   2,513
Commercial real estate | Commercial Real Estate - Owner Occupied          
Loans          
Year One 29,404   29,404   46,159
Year Two 42,199   42,199   68,442
Year Three 66,427   66,427   118,662
Year Four 111,869   111,869   102,048
Year Five 98,748   98,748   115,538
Prior 220,315   220,315   126,715
Revolving Loans Amortized Cost Basis 14,431   14,431   16,820
Revolving Loans Converted To Term Loans 67,378   67,378   64,832
Loans 650,771   650,771   659,216
Commercial real estate | Commercial Real Estate - Owner Occupied | Pass          
Loans          
Year One 28,279   28,279   44,982
Year Two 41,034   41,034   68,442
Year Three 66,427   66,427   113,338
Year Four 106,676   106,676   101,216
Year Five 98,396   98,396   114,208
Prior 213,996   213,996   120,576
Revolving Loans Amortized Cost Basis 14,119   14,119   16,503
Revolving Loans Converted To Term Loans 67,378   67,378   64,832
Loans 636,305   636,305   644,097
Commercial real estate | Commercial Real Estate - Owner Occupied | Special Mention          
Loans          
Year One 765   765   1,177
Year Two 1,165   1,165    
Year Three         5,324
Year Four 5,193   5,193   832
Year Five 352   352   545
Prior 4,033   4,033   5,897
Revolving Loans Amortized Cost Basis 312   312   317
Loans 11,820   11,820   14,092
Commercial real estate | Commercial Real Estate - Owner Occupied | Substandard          
Loans          
Year One 360   360    
Year Five         785
Prior 2,286   2,286   242
Loans 2,646   2,646   1,027
Commercial real estate | Commercial Real Estate - Non Owner Occupied          
Loans          
Year One 17,265   17,265   50,179
Year Two 49,806   49,806   106,785
Year Three 106,467   106,467   139,026
Year Four 134,344   134,344   116,082
Year Five 110,281   110,281   148,534
Prior 282,665   282,665   166,253
Revolving Loans Amortized Cost Basis 20,060   20,060   16,337
Revolving Loans Converted To Term Loans 97,479   97,479   97,321
Loans 818,367   818,367   840,517
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Pass          
Loans          
Year One 17,265   17,265   50,179
Year Two 49,806   49,806   106,785
Year Three 106,467   106,467   139,026
Year Four 134,344   134,344   112,082
Year Five 106,281   106,281   144,363
Prior 264,913   264,913   148,481
Revolving Loans Amortized Cost Basis 20,060   20,060   16,337
Revolving Loans Converted To Term Loans 97,479   97,479   97,321
Loans 796,615   796,615   814,574
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Special Mention          
Loans          
Year Four         4,000
Year Five         4,171
Prior 746   746   17,592
Loans 746   746   25,763
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Substandard          
Loans          
Year Five 4,000   4,000    
Prior 17,006   17,006   180
Loans 21,006   21,006   180
Commercial real estate | Commercial Real Estate - Multi-Family          
Loans          
Year One 6,614   6,614   13,766
Year Two 14,217   14,217   41,171
Year Three 39,751   39,751   79,181
Year Four 75,223   75,223   56,993
Year Five 48,939   48,939   38,908
Prior 74,660   74,660   41,422
Revolving Loans Amortized Cost Basis 3,800   3,800   5,054
Revolving Loans Converted To Term Loans 56,701   56,701   36,949
Loans 319,905   319,905   313,444
Commercial real estate | Commercial Real Estate - Multi-Family | Pass          
Loans          
Year One 6,614   6,614   13,766
Year Two 14,217   14,217   41,171
Year Three 39,751   39,751   79,181
Year Four 75,223   75,223   56,993
Year Five 48,939   48,939   38,908
Prior 74,660   74,660   41,422
Revolving Loans Amortized Cost Basis 3,800   3,800   5,054
Revolving Loans Converted To Term Loans 56,701   56,701   36,949
Loans 319,905   319,905   313,444
Construction & land development          
Loans          
Year One 28,259   28,259   52,732
Year Two 57,694   57,694   105,941
Year Three 100,852   100,852   63,117
Year Four 52,551   52,551   15,741
Year Five 13,368   13,368   1,689
Prior 4,781   4,781   3,740
Revolving Loans Amortized Cost Basis 1,312   1,312   1,161
Loans 258,817   258,817   244,121
Construction & land development | Pass          
Loans          
Year One 28,259   28,259   52,732
Year Two 57,694   57,694   105,616
Year Three 100,442   100,442   63,117
Year Four 52,551   52,551   15,741
Year Five 13,368   13,368   1,689
Prior 4,781   4,781   3,740
Revolving Loans Amortized Cost Basis 1,312   1,312   1,161
Loans 258,407   258,407   243,796
Construction & land development | Special Mention          
Loans          
Year Two         325
Year Three 410   410    
Loans 410   410   325
Commercial & industrial | Commercial and Industrial          
Loans          
Year One 49,251   49,251   83,321
Year Two 79,859   79,859   77,448
Year Three 68,526   68,526   63,619
Year Four 55,138   55,138   50,749
Year Five 44,566   44,566   26,530
Prior 45,518   45,518   27,641
Revolving Loans Amortized Cost Basis 129,849   129,849   125,871
Revolving Loans Converted To Term Loans 8,512   8,512   5,066
Loans 481,219   481,219   460,245
Loans, Gross Charge-offs          
Year Three         27
Year Four     18    
Total     18   27
Commercial & industrial | Commercial and Industrial | Pass          
Loans          
Year One 49,251   49,251   82,096
Year Two 79,249   79,249   77,333
Year Three 68,431   68,431   63,187
Year Four 54,750   54,750   48,621
Year Five 42,369   42,369   25,608
Prior 43,402   43,402   25,286
Revolving Loans Amortized Cost Basis 129,743   129,743   125,002
Revolving Loans Converted To Term Loans 8,168   8,168   4,722
Loans 475,363   475,363   451,855
Commercial & industrial | Commercial and Industrial | Special Mention          
Loans          
Year One         1,225
Year Two 610   610   34
Year Three 29   29   359
Year Four 301   301   2,126
Year Five 2,196   2,196   922
Prior 798   798   2,022
Revolving Loans Amortized Cost Basis 106   106   843
Loans 4,040   4,040   7,531
Commercial & industrial | Commercial and Industrial | Substandard          
Loans          
Year Two         81
Year Three 66   66   73
Year Four 87   87   2
Year Five 1   1    
Prior 1,318   1,318   333
Revolving Loans Amortized Cost Basis         26
Revolving Loans Converted To Term Loans 344   344   344
Loans 1,816   1,816   859
Aircraft          
Loans          
Year One 8,063   8,063   36,972
Year Two 32,891   32,891   71,706
Year Three 62,927   62,927   40,778
Year Four 37,504   37,504   35,964
Year Five 33,120   33,120   23,933
Prior 37,405   37,405   16,826
Loans 211,910   211,910   226,179
Aircraft | Pass          
Loans          
Year One 8,063   8,063   36,972
Year Two 32,891   32,891   71,706
Year Three 62,927   62,927   40,778
Year Four 37,504   37,504   35,652
Year Five 32,815   32,815   23,933
Prior 37,405   37,405   16,380
Loans 211,605   211,605   225,421
Aircraft | Substandard          
Loans          
Year Four         312
Year Five 305   305    
Prior         446
Loans 305   305   758
Consumer          
Loans          
Year One 1,244   1,244   5,712
Year Two 5,455   5,455   2,403
Year Three 1,835   1,835   240
Year Four 151   151   94
Year Five 45   45   19
Prior 741   741   1,263
Revolving Loans Amortized Cost Basis 12,291   12,291   18,426
Loans 21,762   21,762   28,157
Loans, Gross Charge-offs          
Year One     19   828
Year Two     1   1,170
Year Three     2   2
Year Four         1
Year Five     1    
Prior     1   1
Revolving Loans Amortized Cost Basis     532   1,103
Total     556   3,105
Consumer | Pass          
Loans          
Year One 1,244   1,244   5,156
Year Two 5,455   5,455   2,403
Year Three 1,835   1,835   240
Year Four 151   151   94
Year Five 45   45   19
Prior 737   737   1,256
Revolving Loans Amortized Cost Basis 12,144   12,144   18,426
Loans 21,611   21,611   27,594
Consumer | Substandard          
Loans          
Year One         556
Prior 4   4   7
Revolving Loans Amortized Cost Basis 147   147    
Loans 151   151   563
Warehouse lines of credit          
Loans          
Revolving Loans Amortized Cost Basis 671,773   671,773   550,760
Loans 671,773   671,773   550,760
Warehouse lines of credit | Pass          
Loans          
Revolving Loans Amortized Cost Basis 671,773   671,773   550,760
Loans 671,773   671,773   550,760
Tax Refund Solution          
Loans          
Year One 95   95   190,794
Loans 95   95   190,794
Loans, Gross Charge-offs          
Year One     15,501   23,534
Year Two     9,557   9,158
Total     25,058   32,692
Tax Refund Solution | Pass          
Loans          
Year One 95   95   190,794
Loans 95   95   190,794
Republic Credit Solution          
Loans          
Year One 1,162   1,162   8,625
Year Two 5,331   5,331   9,954
Year Three 6,673   6,673   3,000
Year Four 945   945   295
Year Five 80   80   247
Prior 214   214   47,383
Revolving Loans Amortized Cost Basis 104,595   104,595   59,229
Loans 119,000   119,000   128,733
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     8,638   19,239
Total     8,638   19,239
Republic Credit Solution | Pass          
Loans          
Year One 1,162   1,162   8,625
Year Two 5,331   5,331   9,954
Year Three 6,673   6,673   3,000
Year Four 945   945   295
Year Five 80   80   247
Prior 214   214   47,383
Revolving Loans Amortized Cost Basis 104,595   104,595   58,959
Loans $ 119,000   $ 119,000   128,463
Republic Credit Solution | Substandard          
Loans          
Revolving Loans Amortized Cost Basis         270
Loans         $ 270