Republic Bank is headquartered in Louisville and is the 2nd largest bank in the state of Kentucky. It is also the 237th largest bank in the nation. It was established in 1982 and as of September of 2013, it had grown to 770 employees at 40 locations. Republic Bank has a A health rating.
Only constructive criticism is welcome, ha ha ha. I don't know how you people are able to sleep at night. Why don't you get rid of your loans that are designed to take advantage of poor people so the real working class Americans can get back on their feet. I personally hope all you rot in hell for what you're doing to society. I won't rest with writing reviews, politians, and news papers until you fix what the hell you heartless bastards are doing. You the Republic Bank You should be stripped of that name.
I thought it was common knowledge that Becky was short for Rebecca, however Republic Bank rejected a mobile deposit of $41.00 because a check was made out to Becky Doe and Rebecca Doe was the name on the account. If someone was going to steal a check would they deposit it into their account? The same thing I asked when they rejected another check because the endorser of the check had corrected and initial the correction on a check...... When they backed it out they backed it out of the wrong account and charged me service and over draft fees. After I called it to their attention, they did correct this.When I go into the bank they call me Becky. When I called about the mobile deposit they said they recommend that I keep a check for 30 days after using mobile deposit. I feel that should be mentioned HIGHLITED and IN BOLD LETTERS in their ad and policy disclaimer for mobile deposit However thiis does void the convenience of mobile deposit, not to mention most of the people who write me a check do not want me to have their account info. for 30 days. I really don't want to be responsible to keep their banking information this long. I am sticking with Kentucky Bank. The hassel is not worth the convenience of banking in Lexington.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2013 Republic Bank had $34.61 million in non-current loans and owned real-estate with $445.59 million in equity and loan loss allowances on hand to cover it. This gives Republic Bank a Texas Ratio of 7.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Republic Bank held steady from 7.78% as of September 30, 2012 to 7.77% as of September 30, 2013, resulting in a positive change of 0.14%.This indicates that the balance sheet and financial strength for Republic Bank has held steady in recent periods.
In the past year, Republic Bank has increased its total deposits by $53.13 million, resulting in 2.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Republic Bank has shown is above average.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Republic Bank has $3.21 billion in assets with $445.59 million in equity, resulting in a capitalization level of 13.88%, which is excellent.
|FDIC Certificate #||23627|
|Assets and Liabilities|
|Equity Capital||$424.46 million|
|Loan Loss Allowance||$21.13 million|
|Unbacked Noncurrent Loans||$19.37 million|
|Real Estate Owned||$15.25 million|
|Historic Data - September 2012|
|Equity Capital||$510.25 million|
|Loan Loss Allowance||$21.03 million|
|Unbacked Noncurrent Loans||$19.37 million|
|Real Estate Owned||$24.37 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.68%|
|Return on Assets||1.01%|
|Return on Equity||7.82%|
|Interest Income||$99.21 million|
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|0.08%||-||-||Business Money Market Select|
|0.05%||$50k||-||Money Market Account|
|0.05%||$50k||-||Business Money Market Account|
|0.05%||-||-||Premier 50 Checking|
|1.50%||$1k||$1m||60 Month CD|
|1.50%||$1k||$1m||Business 60 Month CD|
|0.75%||$1k||$1m||48 Month CD|
|0.75%||$1k||$1m||Business 48 Month CD|
|0.60%||$1k||$1m||36 Month CD|
|0.60%||$1k||$1m||Business 36 Month CD|
|0.50%||$1k||$1m||24 Month CD|
|0.50%||$1k||$1m||30 Month CD|
|0.50%||$1k||$1m||Business 24 Month CD|
|0.50%||$1k||$1m||Business 30 Month CD|
|0.25%||$1k||$1m||6 Month CD|
|0.25%||$1k||$1m||12 Month CD|
|0.25%||$1k||$1m||18 Month CD|
|0.25%||$1k||$1m||Business 6 Month CD|
|0.25%||$1k||$1m||Business 12 Month CD|
|0.25%||$1k||$1m||Business 18 Month CD|
|0.20%||$1k||$1m||3 Month CD|
|0.20%||$1k||$1m||Business 3 Month CD|
|1.50%||$1k||-||60 Month Roth IRA|
|1.50%||$1k||-||60 Month IRA|
|0.75%||$1k||-||48 Month Roth IRA|
|0.75%||$1k||-||48 Month IRA|
|0.60%||$1k||-||36 Month Roth IRA|
|0.60%||$1k||-||36 Month IRA|
|0.50%||$1k||-||24 Month Roth IRA|
|0.50%||$1k||-||24 Month IRA|
|0.25%||$1k||-||12 Month Roth IRA|
|0.25%||$1k||-||12 Month IRA|
|0.25%||$1k||-||18 Month Roth IRA|
|0.25%||$1k||-||18 Month IRA|