v3.26.1
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, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Loans          
Revolving Loans Amortized Cost Basis $ 1,390,902   $ 1,390,902   $ 1,480,964
Revolving Loans Converted To Term Loans 285,761   285,761   259,959
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     8,935   20,341
Lease          
Year One 5,003   5,003   5,938
Year Two 5,147   5,147   4,978
Year Three 4,010   4,010   7,556
Year Four 6,281   6,281   1,707
Year Five 1,022   1,022   261
Prior 109   109   83
Total Loans 21,572   21,572   20,523
Lease, Gross Charge-offs          
Year Two         49
Year Three         297
Year Four         31
Year Five     1   10
Prior         3
Total     1   390
Loans and Lease          
Year One 560,924   560,924   684,176
Year Two 598,769   598,769   297,672
Year Three 234,618   234,618   668,040
Year Four 557,837   557,837   617,125
Year Five 567,612   567,612   500,862
Prior 1,213,983   1,213,983   937,531
Total loans 5,410,406 $ 5,373,020 5,410,406 $ 5,373,020 5,446,329
Loans and Lease, Gross Charge-offs          
Year One     5,668   15,532
Year Two     798   9,664
Year Three     1   516
Year Four     8   67
Year Five     4   28
Prior     46   74
Total, YTD Gross Charge-offs 11,043 29,913 15,460 34,437 46,222
Pass          
Loans          
Revolving Loans Amortized Cost Basis 1,384,616   1,384,616   1,470,788
Revolving Loans Converted To Term Loans 285,013   285,013   259,206
Lease          
Year One 4,951   4,951   5,931
Year Two 5,147   5,147   4,909
Year Three 3,983   3,983   7,469
Year Four 6,221   6,221   1,433
Year Five 998   998   190
Prior 37   37   83
Total Loans 21,337   21,337   20,015
Loans and Lease          
Year One 538,052   538,052   677,023
Year Two 593,325   593,325   294,525
Year Three 232,829   232,829   664,753
Year Four 553,287   553,287   593,811
Year Five 544,089   544,089   495,615
Prior 1,195,724   1,195,724   903,747
Total loans 5,326,935   5,326,935   5,359,468
Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 1,971   1,971   2,021
Revolving Loans Converted To Term Loans 404   404   409
Lease          
Year Five 14   14    
Total Loans 14   14    
Loans and Lease          
Year One 7,185   7,185   1,428
Year Two         1,681
Year Three 86   86    
Year Four 388   388   18,292
Year Five 17,962   17,962   2,150
Prior 3,548   3,548   9,773
Total loans 31,544   31,544   35,754
Substandard          
Loans          
Revolving Loans Amortized Cost Basis 4,315   4,315   8,155
Revolving Loans Converted To Term Loans 344   344   344
Lease          
Year One 52   52   7
Year Two         69
Year Three 27   27   87
Year Four 60   60   274
Year Five 10   10   71
Prior 72   72    
Total Loans 221   221   508
Loans and Lease          
Year One 15,687   15,687   5,725
Year Two 5,444   5,444   1,466
Year Three 1,703   1,703   3,287
Year Four 4,162   4,162   5,022
Year Five 5,561   5,561   3,097
Prior 14,711   14,711   24,011
Total loans 51,927   51,927   51,107
Traditional Banking          
Lease          
Total Loans 21,572   21,572   20,523
Lease, Gross Charge-offs          
Total   127 1 138  
Loans and Lease          
Total loans 4,655,509 4,582,152 4,655,509 4,582,152 4,546,297
Loans and Lease, Gross Charge-offs          
Total, YTD Gross Charge-offs 360 470 841 741  
Republic Credit Solutions          
Loans and Lease          
Total loans 140,045 119,000 140,045 119,000  
Residential real estate | Residential Real Estate - Owner Occupied          
Loans          
Year One 120,350   120,350   153,940
Year Two 122,346   122,346   58,422
Year Three 50,996   50,996   210,435
Year Four 181,293   181,293   167,157
Year Five 156,444   156,444   137,019
Prior 404,397   404,397   303,362
Revolving Loans Amortized Cost Basis 3   3    
Revolving Loans Converted To Term Loans 6,320   6,320   9,745
Loans 1,042,149   1,042,149   1,040,080
Loans, Gross Charge-offs          
Year Two     12   43
Year Four     8   18
Year Five     3   17
Prior     42   50
Total     65   128
Residential real estate | Residential Real Estate - Owner Occupied | Pass          
Loans          
Year One 120,350   120,350   153,758
Year Two 121,742   121,742   57,359
Year Three 49,579   49,579   208,250
Year Four 177,788   177,788   162,417
Year Five 151,938   151,938   134,290
Prior 391,298   391,298   292,708
Revolving Loans Amortized Cost Basis 3   3    
Revolving Loans Converted To Term Loans 6,320   6,320   9,745
Loans 1,019,018   1,019,018   1,018,527
Residential real estate | Residential Real Estate - Owner Occupied | Special Mention          
Loans          
Year Four 388   388   1,610
Year Five 1,513   1,513    
Prior 713   713   582
Loans 2,614   2,614   2,192
Residential real estate | Residential Real Estate - Owner Occupied | Substandard          
Loans          
Year One         182
Year Two 604   604   1,063
Year Three 1,417   1,417   2,185
Year Four 3,117   3,117   3,130
Year Five 2,993   2,993   2,729
Prior 12,386   12,386   10,072
Loans 20,517   20,517   19,361
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking          
Loans          
Loans 1,042,149   1,042,149   1,040,080
Loans, Gross Charge-offs          
Total 11 11 65 29  
Residential real estate | Residential Real Estate - Non Owner Occupied          
Loans          
Year One 24,029   24,029   18,769
Year Two 17,414   17,414   13,367
Year Three 10,523   10,523   46,289
Year Four 39,780   39,780   48,701
Year Five 45,221   45,221   62,996
Prior 134,715   134,715   90,484
Revolving Loans Converted To Term Loans 4,301   4,301   2,640
Loans 275,983   275,983   283,246
Residential real estate | Residential Real Estate - Non Owner Occupied | Pass          
Loans          
Year One 23,924   23,924   18,769
Year Two 17,414   17,414   13,367
Year Three 10,523   10,523   46,289
Year Four 39,780   39,780   48,701
Year Five 45,221   45,221   62,996
Prior 134,240   134,240   89,968
Revolving Loans Converted To Term Loans 4,301   4,301   2,640
Loans 275,403   275,403   282,730
Residential real estate | Residential Real Estate - Non Owner Occupied | Special Mention          
Loans          
Year One 105   105    
Loans 105   105    
Residential real estate | Residential Real Estate - Non Owner Occupied | Substandard          
Loans          
Prior 475   475   516
Loans 475   475   516
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking          
Loans          
Loans 275,983   275,983   283,246
Residential real estate | Home equity lines of credit          
Loans          
Revolving Loans Amortized Cost Basis 429,812   429,812   413,638
Loans 429,812   429,812   413,638
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     22   56
Total     22   56
Residential real estate | Home equity lines of credit | Pass          
Loans          
Revolving Loans Amortized Cost Basis 423,639   423,639   408,021
Loans 423,639   423,639   408,021
Residential real estate | Home equity lines of credit | Special Mention          
Loans          
Revolving Loans Amortized Cost Basis 1,896   1,896   1,957
Loans 1,896   1,896   1,957
Residential real estate | Home equity lines of credit | Substandard          
Loans          
Revolving Loans Amortized Cost Basis 4,277   4,277   3,660
Loans 4,277   4,277   3,660
Residential real estate | Home equity lines of credit | Traditional Banking          
Loans          
Loans 429,812   429,812   413,638
Loans, Gross Charge-offs          
Total 22   22    
Commercial real estate | Commercial Real Estate - Owner Occupied          
Loans          
Year One 94,189   94,189   110,194
Year Two 98,451   98,451   41,139
Year Three 36,563   36,563   65,091
Year Four 60,509   60,509   101,727
Year Five 94,957   94,957   104,316
Prior 221,656   221,656   173,928
Revolving Loans Amortized Cost Basis 16,400   16,400   13,894
Revolving Loans Converted To Term Loans 82,081   82,081   56,659
Loans 704,806   704,806   666,948
Commercial real estate | Commercial Real Estate - Owner Occupied | Pass          
Loans          
Year One 87,109   87,109   103,994
Year Two 98,177   98,177   40,027
Year Three 36,563   36,563   64,149
Year Four 59,584   59,584   101,727
Year Five 94,957   94,957   103,722
Prior 219,788   219,788   162,831
Revolving Loans Amortized Cost Basis 16,400   16,400   13,894
Revolving Loans Converted To Term Loans 81,677   81,677   56,250
Loans 694,255   694,255   646,594
Commercial real estate | Commercial Real Estate - Owner Occupied | Special Mention          
Loans          
Year One 7,080   7,080   752
Year Two         1,112
Year Five         594
Prior 90   90   9,191
Revolving Loans Converted To Term Loans 404   404   409
Loans 7,574   7,574   12,058
Commercial real estate | Commercial Real Estate - Owner Occupied | Substandard          
Loans          
Year One         5,448
Year Two 274   274    
Year Three         942
Year Four 925   925    
Prior 1,778   1,778   1,906
Loans 2,977   2,977   8,296
Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking          
Loans          
Loans 704,806   704,806   666,948
Commercial real estate | Commercial Real Estate - Non Owner Occupied          
Loans          
Year One 110,290   110,290   78,604
Year Two 70,486   70,486   22,179
Year Three 21,747   21,747   104,436
Year Four 92,064   92,064   151,485
Year Five 141,262   141,262   101,477
Prior 272,477   272,477   230,556
Revolving Loans Amortized Cost Basis 22,210   22,210   19,700
Revolving Loans Converted To Term Loans 89,460   89,460   90,983
Loans 819,996   819,996   799,420
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Pass          
Loans          
Year One 110,290   110,290   77,928
Year Two 70,486   70,486   22,179
Year Three 21,747   21,747   104,436
Year Four 92,064   92,064   134,803
Year Five 124,827   124,827   101,477
Prior 272,477   272,477   230,556
Revolving Loans Amortized Cost Basis 22,210   22,210   19,700
Revolving Loans Converted To Term Loans 89,460   89,460   90,983
Loans 803,561   803,561   782,062
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Special Mention          
Loans          
Year One         676
Year Four         16,682
Year Five 16,435   16,435    
Loans 16,435   16,435   17,358
Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking          
Loans          
Loans 819,996   819,996   799,420
Commercial real estate | Commercial Real Estate - Multi-Family          
Loans          
Year One 46,903   46,903   11,117
Year Two 11,912   11,912   12,841
Year Three 12,680   12,680   49,881
Year Four 71,367   71,367   66,953
Year Five 63,421   63,421   45,347
Prior 84,873   84,873   56,668
Revolving Loans Amortized Cost Basis 5,302   5,302   4,910
Revolving Loans Converted To Term Loans 80,934   80,934   83,653
Loans 377,392   377,392   331,370
Commercial real estate | Commercial Real Estate - Multi-Family | Pass          
Loans          
Year One 46,903   46,903   11,117
Year Two 7,358   7,358   12,841
Year Three 12,680   12,680   49,881
Year Four 71,367   71,367   66,953
Year Five 62,192   62,192   45,347
Prior 84,873   84,873   56,668
Revolving Loans Amortized Cost Basis 5,302   5,302   4,910
Revolving Loans Converted To Term Loans 80,934   80,934   83,653
Loans 371,609   371,609   331,370
Commercial real estate | Commercial Real Estate - Multi-Family | Substandard          
Loans          
Year Two 4,554   4,554    
Year Five 1,229   1,229    
Loans 5,783   5,783    
Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking          
Loans          
Loans 377,392   377,392   331,370
Construction & land development          
Loans          
Year One 30,731   30,731   99,673
Year Two 118,966   118,966   47,328
Year Three 34,975   34,975   86,555
Year Four 27,000   27,000   593
Year Five 563   563   522
Prior 2,565   2,565   3,303
Revolving Loans Amortized Cost Basis 541   541   481
Loans 215,341   215,341   238,455
Construction & land development | Pass          
Loans          
Year One 30,731   30,731   99,673
Year Two 118,966   118,966   47,328
Year Three 34,975   34,975   86,555
Year Four 27,000   27,000   593
Year Five 563   563   522
Prior 2,565   2,565   3,303
Revolving Loans Amortized Cost Basis 541   541   481
Loans 215,341   215,341   238,455
Construction & land development | Traditional Banking          
Loans          
Loans 215,341   215,341   238,455
Commercial & industrial | Commercial and Industrial          
Loans          
Year One 102,942   102,942   139,729
Year Two 121,714   121,714   63,894
Year Three 36,538   36,538   44,078
Year Four 34,485   34,485   42,949
Year Five 33,277   33,277   18,732
Prior 38,401   38,401   45,031
Revolving Loans Amortized Cost Basis 157,123   157,123   158,181
Revolving Loans Converted To Term Loans 22,665   22,665   16,279
Loans 547,145   547,145   528,873
Loans, Gross Charge-offs          
Year Two         13
Year Three         216
Year Four         18
Prior         15
Total         262
Commercial & industrial | Commercial and Industrial | Pass          
Loans          
Year One 87,307   87,307   139,641
Year Two 121,714   121,714   62,991
Year Three 36,193   36,193   44,005
Year Four 34,425   34,425   41,331
Year Five 31,948   31,948   17,176
Prior 35,656   35,656   33,515
Revolving Loans Amortized Cost Basis 157,010   157,010   153,706
Revolving Loans Converted To Term Loans 22,321   22,321   15,935
Loans 526,574   526,574   508,300
Commercial & industrial | Commercial and Industrial | Special Mention          
Loans          
Year Two         569
Year Three 86   86    
Year Five         1,556
Prior 2,745   2,745    
Revolving Loans Amortized Cost Basis 75   75   64
Loans 2,906   2,906   2,189
Commercial & industrial | Commercial and Industrial | Substandard          
Loans          
Year One 15,635   15,635   88
Year Two         334
Year Three 259   259   73
Year Four 60   60   1,618
Year Five 1,329   1,329    
Prior         11,516
Revolving Loans Amortized Cost Basis 38   38   4,411
Revolving Loans Converted To Term Loans 344   344   344
Loans 17,665   17,665   18,384
Commercial & industrial | Commercial and Industrial | Traditional Banking          
Loans          
Loans 547,145   547,145   528,873
Loans, Gross Charge-offs          
Total   18   18  
Aircraft          
Loans          
Year One 25,834   25,834   31,154
Year Two 30,569   30,569   26,092
Year Three 20,751   20,751   47,389
Year Four 40,501   40,501   35,121
Year Five 30,887   30,887   30,125
Prior 54,187   54,187   33,239
Loans 202,729   202,729   203,120
Aircraft | Pass          
Loans          
Year One 25,834   25,834   31,154
Year Two 30,569   30,569   26,092
Year Three 20,751   20,751   47,389
Year Four 40,501   40,501   35,121
Year Five 30,887   30,887   29,828
Prior 54,187   54,187   33,239
Loans 202,729   202,729   202,823
Aircraft | Substandard          
Loans          
Year Five         297
Loans         297
Aircraft | Traditional Banking          
Loans          
Loans 202,729   202,729   203,120
Consumer          
Loans          
Year One 497   497   1,799
Year Two 1,322   1,322   3,984
Year Three 3,683   3,683   1,840
Year Four 1,446   1,446   58
Year Five 34   34   25
Prior 458   458   567
Revolving Loans Amortized Cost Basis 11,144   11,144   12,351
Loans 18,584   18,584   20,624
Loans, Gross Charge-offs          
Year One     3   31
Year Two     12   2
Year Three     1   3
Year Five         1
Prior     4   6
Revolving Loans Amortized Cost Basis     733   1,154
Total     753   1,197
Consumer | Pass          
Loans          
Year One 497   497   1,799
Year Two 1,310   1,310   3,984
Year Three 3,683   3,683   1,840
Year Four 1,446   1,446   58
Year Five 34   34   25
Prior 458   458   566
Revolving Loans Amortized Cost Basis 11,144   11,144   12,267
Loans 18,572   18,572   20,539
Consumer | Substandard          
Loans          
Year Two 12   12    
Prior         1
Revolving Loans Amortized Cost Basis         84
Loans 12   12   85
Warehouse lines of credit          
Loans          
Revolving Loans Amortized Cost Basis 614,696   614,696   754,090
Loans 614,696   614,696   754,090
Warehouse lines of credit | Pass          
Loans          
Revolving Loans Amortized Cost Basis 614,696   614,696   754,090
Loans 614,696   614,696   754,090
Tax Refund Solution          
Loans          
Year One 156   156   32,397
Loans 156   156   32,397
Loans, Gross Charge-offs          
Year One     5,665   15,501
Year Two     774   9,557
Total     6,439   25,058
Tax Refund Solution | Pass          
Loans          
Year One 156   156   32,397
Loans 156   156   32,397
Republic Credit Solution          
Loans          
Year Two 442   442    
Year Three 2,152   2,152    
Year Four 3,111   3,111    
Year Five 524   524    
Prior 145   145    
Revolving Loans Amortized Cost Basis 133,671   133,671    
Loans 140,045   140,045    
Loans, Gross Charge-offs          
Revolving Loans Amortized Cost Basis     8,180   19,131
Total     8,180   19,131
Republic Credit Solution | Pass          
Loans          
Year One         862
Year Two 442   442   3,448
Year Three 2,152   2,152   4,490
Year Four 3,111   3,111   674
Year Five 524   524   42
Prior 145   145   310
Revolving Loans Amortized Cost Basis 133,671   133,671   103,719
Loans 140,045   140,045   113,545
Republic Credit Solution | Doubtful / Loss          
Loans          
Year One         862
Year Two         3,448
Year Three         4,490
Year Four         674
Year Five         42
Prior         310
Revolving Loans Amortized Cost Basis         103,719
Loans         113,545
Republic Credit Solution | Republic Credit Solutions          
Loans          
Loans 140,045   140,045   $ 113,545
Loans, Gross Charge-offs          
Total $ 4,244 $ 4,384 $ 8,180 $ 8,638