Republic Bancorp is a financial holding company that operates through its subsidiary Republic Bank & Trust Company, offering traditional banking products and services including retail mortgages, commercial and construction lending, and consumer loans through banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee, as well as non-traditional services nationwide such as warehouse lending to mortgage bankers, tax refund financing, payment processing solutions, and subprime consumer credit products. The company generates revenue primarily through net interest income on its lending operations, service charges on deposits, mortgage banking income, and fees from its specialized segments including warehouse lending fees, tax refund loan interest and fees, prepaid card program fees, and consumer credit origination fees. Republic serves individual consumers, small and medium-sized businesses, high-net-worth individuals, mortgage banking firms, and credit-challenged borrowers across its geographic markets and through nationwide digital and third-party distribution channels.