MASHINIi

Republic Bancorp, Inc..

RBCAA.US | Other monetary intermediation

Republic Bancorp, Inc. is a financial holding company that provides a range of banking products and services. It operates through various segments, including Traditional Banking, Mortgage Banking, and Warehouse Lending. The Traditional Banking segment offers deposit accounts, loans, and other bankin...Show More

Ethical Profile

Mixed.

Republic Bancorp, Inc. demonstrates a commitment to community health, with its Foundation donating over $1.3 million in 2023. This includes supporting the Age-Friendly Health System-recognized Optimal Aging Clinic and providing $50,000 for a behavioral health specialist. Regarding worker respect, a 14:1 CEO pay ratio for Steven E. Trager in 2024 is reported as relatively low. However, employee reviews on Indeed and Glassdoor suggest concerns about pay and management. Critics point to an inability to fully assess regulatory compliance due to alleged throttling of SEC filings, limiting transparency in business honesty. Many other ethical areas lack sufficient public data for a comprehensive assessment.

Value Scores

Better Health for All-10
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-40
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

-10

Republic Bancorp, Inc. is a financial holding company, and its core banking products and services have no significant direct positive or negative health impact, nor do they carry health risks requiring disclosure. The company does not offer health-related products or services requiring accessibility considerations, nor does it engage in health-related R&D, collect health data, or conduct clinical trials. Its operations do not generate significant health externalities, and its business model does not involve pharmaceutical patents, nutrition, food safety, or addiction mitigation. The company's operations are not directly relevant to global health crisis response. However, the Republic Bank Foundation Optimal Aging Clinic integrates behavioral health services into its approach for older adults.

1
Additionally, Republic Bank provided $50,000 in funding for a behavioral health specialist for children at St. Benedict Center.
2
This funding for a mental health specialist, while positive, is a limited allocation without context of overall health-related expenditure or revenue, thus mapping to a tier of -80 for mental health initiatives.

Fair Money & Economic Opportunity

0

The provided article does not contain specific quantitative data or concrete actions that can be used to assess the company against the defined KPIs for Fair Money & Economic Opportunity. While Republic Bank received several recognitions, including a Top 50 Community Bank (2023), America's Best Regional Bank (2025), America's Best Online Lenders (2024), and Diversity, Equity and Inclusion and Community Commitment Awards.

1
, these do not provide the specific metrics required by the rubric to score any of the KPIs.

Fair Pay & Worker Respect

0

For the fiscal year ending 2024, the CEO-to-median employee pay ratio was 14:1, with the CEO's total compensation at $907,530 and the median employee pay at $62,787.

1
Republic Bank finances health benefits for its employees, covering a significant portion of each worker's health insurance premium, though a specific coverage percentage is not provided.
2
Employee reviews from Indeed.com explicitly mention high turnover rates due to poor management and lack of professionalism.
3
Employee reviews from Glassdoor indicate an overall rating of 3.9 out of 5 stars, with compensation and benefits rated 3.7 out of 5 stars.
4

Fair Trade & Ethical Sourcing

0

Republic Bancorp, Inc. is a financial holding company, and its core operations do not involve the procurement or trade of physical commodities. Therefore, several KPIs related to physical supply chains, such as fair-trade certification, supplier audits for welfare, forced/child labor incidents, supply chain traceability, remediation speed for such incidents, and spend on high-risk materials, are not applicable to its business model. While the company has a supplier diversity program

1
and a Code of Conduct
2
, no quantitative data is provided regarding the percentage of procurement budget directed to diverse suppliers
3
or the inclusion of enforceable ethical-sourcing clauses in supplier contracts.
4

Honest & Fair Business

-40

Republic Bancorp's Code of Conduct and Ethics, approved in November 2023, includes a dedicated Ethics and Compliance Hotline for reporting suspected violations.

1
However, there is no evidence provided regarding independent investigation processes for these reports. The code also emphasizes compliance with the Foreign Corrupt Practices Act (FCPA) and outlines procedures for reporting potential violations.
2
While an anti-bribery and anti-corruption (ABAC) policy is in place, there is no information on the frequency or effectiveness metrics of related training.
3

Kind to Animals

0

Republic Bancorp, Inc. is a financial holding company providing banking products and services, such as loans and mortgages.

1
Its business model does not involve activities related to animal testing, animal agriculture, the use of animal-derived ingredients, or direct impact on wildlife habitats. Therefore, all KPIs under the 'Kind to Animals' value are not applicable to the company's operations.

No War, No Weapons

0

Republic Bancorp, Inc. is a financial holding company whose core business involves traditional banking, mortgage banking, and warehouse lending.

1
The company's 2023 Form 10-K explicitly states that it does not contain data directly relevant to 'No War, No Weapons' initiatives.
2
There is no evidence in the provided articles to suggest that the company derives revenue from arms or defense contracts, or engages in any defense-related activities. No other KPIs could be scored due to a lack of specific, concrete evidence in the provided articles regarding dual-use technology, sales to embargoed regimes, peacebuilding investments, divestment policies, or any other conflict-related metrics.

Planet-Friendly Business

0

No evidence available to assess Republic Bancorp, Inc. on Planet-Friendly Business.

Respect for Cultures & Communities

0

No evidence available to assess Republic Bancorp, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

0

No evidence available to assess Republic Bancorp, Inc. on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

The provided articles contain no specific data or information regarding Republic Bancorp, Inc.'s waste management practices, product sustainability, or zero-waste initiatives. No sustainability reports are available, and the articles explicitly state a lack of data for all relevant metrics, including waste diversion rates, product recyclability, packaging sustainability, and waste reduction targets.

1

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.