LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS - ALLOWANCE ACTIVITY (Details) - USD ($)
|
3 Months Ended |
6 Months Ended |
12 Months Ended |
Jun. 30, 2026 |
Jun. 30, 2025 |
Jun. 30, 2026 |
Jun. 30, 2025 |
Dec. 31, 2025 |
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning Balance |
$ 91,840,000
|
$ 106,303,000
|
$ 85,352,000
|
$ 91,978,000
|
$ 91,978,000
|
| Provision |
5,157,000
|
1,823,000
|
14,937,000
|
19,495,000
|
|
| Charge-offs |
|
|
(1,000)
|
|
(390,000)
|
| Charge-offs |
(11,043,000)
|
(29,913,000)
|
(15,460,000)
|
(34,437,000)
|
(46,222,000)
|
| Recoveries |
1,813,000
|
3,547,000
|
2,938,000
|
4,724,000
|
|
| Ending Balance |
87,767,000
|
81,760,000
|
$ 87,767,000
|
81,760,000
|
85,352,000
|
| Forecast period for unemployment and general CRE values |
|
|
1 year
|
|
|
| Net credit to provision due to application of practical expedient |
|
518,000
|
|
518,000
|
|
| Core Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning Balance |
65,612,000
|
60,272,000
|
$ 65,544,000
|
61,130,000
|
61,130,000
|
| Provision |
(181,000)
|
772,000
|
213,000
|
50,000
|
|
| Charge-offs |
(360,000)
|
(470,000)
|
(841,000)
|
(741,000)
|
|
| Recoveries |
268,000
|
157,000
|
423,000
|
292,000
|
|
| Ending Balance |
65,339,000
|
60,731,000
|
65,339,000
|
60,731,000
|
65,544,000
|
| Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
624,000
|
1,054,000
|
718,000
|
1,117,000
|
1,117,000
|
| Beginning Balance |
64,041,000
|
58,851,000
|
63,662,000
|
59,756,000
|
59,756,000
|
| Provision |
(189,000)
|
39,000
|
(301,000)
|
(18,000)
|
|
| Provision |
(143,000)
|
517,000
|
562,000
|
(252,000)
|
|
| Charge-offs |
|
(127,000)
|
(1,000)
|
(138,000)
|
|
| Charge-offs |
(360,000)
|
(470,000)
|
(841,000)
|
(741,000)
|
|
| Recoveries |
24,000
|
17,000
|
43,000
|
22,000
|
|
| Recoveries |
268,000
|
157,000
|
423,000
|
292,000
|
|
| Ending balance |
459,000
|
983,000
|
459,000
|
983,000
|
718,000
|
| Ending Balance |
63,806,000
|
59,055,000
|
63,806,000
|
59,055,000
|
63,662,000
|
| Republic Processing Group |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
26,228,000
|
46,031,000
|
19,808,000
|
30,848,000
|
30,848,000
|
| Provision |
5,338,000
|
1,051,000
|
14,724,000
|
19,445,000
|
|
| Charge-offs |
(10,683,000)
|
(29,443,000)
|
(14,619,000)
|
(33,696,000)
|
|
| Recoveries |
1,545,000
|
3,390,000
|
2,515,000
|
4,432,000
|
|
| Ending balance |
22,428,000
|
21,029,000
|
22,428,000
|
21,029,000
|
19,808,000
|
| Residential real estate | Residential Real Estate - Owner Occupied |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
(65,000)
|
|
(128,000)
|
| Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
10,609,000
|
10,756,000
|
10,844,000
|
10,849,000
|
10,849,000
|
| Provision |
192,000
|
(142,000)
|
(41,000)
|
(257,000)
|
|
| Charge-offs |
(11,000)
|
(11,000)
|
(65,000)
|
(29,000)
|
|
| Recoveries |
15,000
|
23,000
|
67,000
|
63,000
|
|
| Ending balance |
10,805,000
|
10,626,000
|
10,805,000
|
10,626,000
|
10,844,000
|
| Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
3,508,000
|
4,025,000
|
3,542,000
|
4,140,000
|
4,140,000
|
| Provision |
(87,000)
|
(142,000)
|
(121,000)
|
(257,000)
|
|
| Ending balance |
3,421,000
|
3,883,000
|
3,421,000
|
3,883,000
|
3,542,000
|
| Residential real estate | Home equity lines of credit |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
(22,000)
|
|
(56,000)
|
| Residential real estate | Home equity lines of credit | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
8,873,000
|
7,626,000
|
8,629,000
|
7,378,000
|
7,378,000
|
| Provision |
53,000
|
454,000
|
291,000
|
701,000
|
|
| Charge-offs |
(22,000)
|
|
(22,000)
|
|
|
| Recoveries |
60,000
|
26,000
|
66,000
|
27,000
|
|
| Ending balance |
8,964,000
|
8,106,000
|
8,964,000
|
8,106,000
|
8,629,000
|
| Commercial real estate | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
22,369,000
|
22,320,000
|
21,757,000
|
22,556,000
|
22,556,000
|
| Provision |
667,000
|
(477,000)
|
1,277,000
|
(713,000)
|
|
| Recoveries |
2,000
|
3,000
|
4,000
|
3,000
|
|
| Ending balance |
23,038,000
|
21,846,000
|
23,038,000
|
21,846,000
|
21,757,000
|
| Commercial real estate | Commercial Real Estate - Owner Occupied | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
7,584,000
|
7,334,000
|
7,207,000
|
7,319,000
|
7,319,000
|
| Provision |
271,000
|
(191,000)
|
646,000
|
(176,000)
|
|
| Recoveries |
2,000
|
|
4,000
|
|
|
| Ending balance |
7,857,000
|
7,143,000
|
7,857,000
|
7,143,000
|
7,207,000
|
| Commercial real estate | Commercial Real Estate - Non Owner Occupied | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
11,973,000
|
12,179,000
|
11,690,000
|
12,523,000
|
12,523,000
|
| Provision |
12,000
|
(230,000)
|
295,000
|
(574,000)
|
|
| Recoveries |
|
3,000
|
|
3,000
|
|
| Ending balance |
11,985,000
|
11,952,000
|
11,985,000
|
11,952,000
|
11,690,000
|
| Commercial real estate | Commercial Real Estate - Multi-Family | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
2,812,000
|
2,807,000
|
2,860,000
|
2,714,000
|
2,714,000
|
| Provision |
384,000
|
(56,000)
|
336,000
|
37,000
|
|
| Ending balance |
3,196,000
|
2,751,000
|
3,196,000
|
2,751,000
|
2,860,000
|
| Construction & land development | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
8,256,000
|
8,027,000
|
8,117,000
|
8,227,000
|
8,227,000
|
| Provision |
(1,015,000)
|
698,000
|
(876,000)
|
498,000
|
|
| Ending balance |
7,241,000
|
8,725,000
|
7,241,000
|
8,725,000
|
8,117,000
|
| Commercial & industrial | Commercial and Industrial |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
|
|
(262,000)
|
| Commercial & industrial | Commercial and Industrial | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
7,481,000
|
2,616,000
|
7,403,000
|
2,527,000
|
2,527,000
|
| Provision |
(22,000)
|
(143,000)
|
53,000
|
(54,000)
|
|
| Charge-offs |
|
(18,000)
|
|
(18,000)
|
|
| Recoveries |
27,000
|
|
30,000
|
|
|
| Ending balance |
7,486,000
|
2,455,000
|
7,486,000
|
2,455,000
|
7,403,000
|
| Aircraft | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
506,000
|
554,000
|
507,000
|
565,000
|
565,000
|
| Provision |
1,000
|
(24,000)
|
|
(35,000)
|
|
| Ending balance |
507,000
|
530,000
|
507,000
|
530,000
|
507,000
|
| Consumer |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
(753,000)
|
|
(1,197,000)
|
| Consumer | Credit Card | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
957,000
|
937,000
|
957,000
|
1,379,000
|
1,379,000
|
| Provision |
(8,000)
|
78,000
|
(6,000)
|
(347,000)
|
|
| Charge-offs |
(3,000)
|
(56,000)
|
(6,000)
|
(92,000)
|
|
| Recoveries |
|
31,000
|
1,000
|
50,000
|
|
| Ending balance |
946,000
|
990,000
|
946,000
|
990,000
|
957,000
|
| Consumer | Overdrafts | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
701,000
|
687,000
|
971,000
|
724,000
|
724,000
|
| Provision |
272,000
|
170,000
|
344,000
|
269,000
|
|
| Charge-offs |
(317,000)
|
(250,000)
|
(727,000)
|
(440,000)
|
|
| Recoveries |
138,000
|
49,000
|
206,000
|
103,000
|
|
| Ending balance |
794,000
|
656,000
|
794,000
|
656,000
|
971,000
|
| Consumer | Automobile loans | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
|
8,000
|
|
11,000
|
11,000
|
| Provision |
(2,000)
|
(7,000)
|
(4,000)
|
(11,000)
|
|
| Recoveries |
2,000
|
1,000
|
4,000
|
2,000
|
|
| Ending balance |
|
2,000
|
|
2,000
|
|
| Consumer | Other Consumer | Traditional Banking |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
157,000
|
241,000
|
217,000
|
283,000
|
283,000
|
| Provision |
(5,000)
|
13,000
|
(54,000)
|
(28,000)
|
|
| Charge-offs |
(7,000)
|
(8,000)
|
(20,000)
|
(24,000)
|
|
| Recoveries |
|
7,000
|
2,000
|
22,000
|
|
| Ending balance |
145,000
|
253,000
|
145,000
|
253,000
|
217,000
|
| Warehouse lines of credit | Warehouse Lending |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
1,571,000
|
1,421,000
|
1,882,000
|
1,374,000
|
1,374,000
|
| Provision |
(38,000)
|
255,000
|
(349,000)
|
302,000
|
|
| Ending balance |
1,533,000
|
1,676,000
|
1,533,000
|
1,676,000
|
1,882,000
|
| Tax Refund Solution |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
(6,439,000)
|
|
(25,058,000)
|
| Tax Refund Solution | Refund Advances | Tax Refund Solutions |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
6,283,000
|
25,819,000
|
296,000
|
9,793,000
|
9,793,000
|
| Provision |
(1,056,000)
|
(3,934,000)
|
4,262,000
|
11,401,000
|
|
| Charge-offs |
(6,367,000)
|
(24,893,000)
|
(6,367,000)
|
(24,893,000)
|
|
| Recoveries |
1,140,000
|
3,008,000
|
1,809,000
|
3,699,000
|
|
| Ending balance |
|
|
|
|
296,000
|
| Tax Refund Solution | Other TRS commercial and industrial loans | Tax Refund Solutions |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
61,000
|
162,000
|
37,000
|
68,000
|
68,000
|
| Provision |
10,000
|
2,000
|
34,000
|
94,000
|
|
| Charge-offs |
(72,000)
|
(166,000)
|
(72,000)
|
(165,000)
|
|
| Recoveries |
2,000
|
2,000
|
2,000
|
3,000
|
|
| Ending balance |
1,000
|
|
1,000
|
|
37,000
|
| Republic Credit Solution |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Charge-offs |
|
|
(8,180,000)
|
|
(19,131,000)
|
| Republic Credit Solution | Republic Credit Solutions |
|
|
|
|
|
| Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |
|
|
|
|
|
| Beginning balance |
19,884,000
|
20,050,000
|
19,475,000
|
20,987,000
|
20,987,000
|
| Provision |
6,384,000
|
4,983,000
|
10,428,000
|
7,950,000
|
|
| Charge-offs |
(4,244,000)
|
(4,384,000)
|
(8,180,000)
|
(8,638,000)
|
|
| Recoveries |
403,000
|
380,000
|
704,000
|
730,000
|
|
| Ending balance |
$ 22,427,000
|
$ 21,029,000
|
$ 22,427,000
|
$ 21,029,000
|
$ 19,475,000
|