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601 West Market Street
Louisville, KY 40202

Republic Bank is headquartered in Louisville and is the 2nd largest bank in the state of Kentucky. It is also the 239th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 713 employees at 40 locations. Republic Bank has a A health rating.

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Reviews (2)

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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.

Republic Bank No Common Sense


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.


Data for Q4 2013

Republic Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

23627 - Republic Bank & Trust Company
35344 - Republic Bank

Institution Health

Texas Ratio


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 December 31, 2013 Republic Bank had $36.62 million in non-current loans and owned real-estate with $442.15 million in equity and loan loss allowances on hand to cover it. This gives Republic Bank a Texas Ratio of 8.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Republic Bank decreased slightly from 10.12% as of December 31, 2012 to 8.28% as of December 31, 2013, resulting in a positive change of 18.13%.This indicates that the balance sheet and financial strength for Republic Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Republic Bank has increased its total deposits by $19.84 million, resulting in 0.98% 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 $3.25 billion in assets with $442.15 million in equity, resulting in a capitalization level of 13.59%, which is excellent.

Institution Statistics

FDIC Certificate #23627
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.25 billion
Loans$2.49 billion
Deposits$2.04 billion
Equity Capital$421.35 million
Loan Loss Allowance$20.80 million
Unbacked Noncurrent Loans$19.59 million
Real Estate Owned$17.03 million
Historic Data - December 2012
Assets$3.29 billion
Equity Capital$413.16 million
Loan Loss Allowance$21.19 million
Unbacked Noncurrent Loans$19.59 million
Real Estate Owned$25.44 million
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.81%
Return on Equity6.25%
Interest Income$130.21 million

Always verify rates and promotions with the bank or credit union. We are not Republic Bank, we are a rate comparison website and can not provide official rates or promotions.

Republic Bank Savings Account Rates

0.02%$100-Regular Savings
0.02%--Young Savers

Republic Bank Money Market Rates

0.08%--Business Money Market Select
0.05%$50k-Money Market Account
0.05%$50k-Business Money Market Account

Republic Bank Checking Account Rates

0.08%$15k-Pinnacle Checking
0.05%--Premier 50 Checking

Republic Bank CD Rates

1.50%$1k$1m60 Month CD
1.50%$1k$1mBusiness 60 Month CD
0.75%$1k$1m48 Month CD
0.75%$1k$1mBusiness 48 Month CD
0.60%$1k$1m36 Month CD
0.60%$1k$1mBusiness 36 Month CD
0.50%$1k$1m24 Month CD
0.50%$1k$1m30 Month CD
0.50%$1k$1mBusiness 24 Month CD
0.50%$1k$1mBusiness 30 Month CD
0.25%$1k$1m6 Month CD
0.25%$1k$1m12 Month CD
0.25%$1k$1m18 Month CD
0.25%$1k$1mBusiness 6 Month CD
0.25%$1k$1mBusiness 12 Month CD
0.25%$1k$1mBusiness 18 Month CD
0.20%$1k$1m3 Month CD
0.20%$1k$1mBusiness 3 Month CD

Republic Bank has 44 locations. Click to view all Republic Bank locations.