DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2025

DEPOSITS

Composition of deposit portfolio

The composition of the deposit portfolio follows:

(in thousands)	September 30, 2025		December 31, 2024
Core Bank:
Demand	$	1,143,036	$	1,166,517
Money market		1,513,646		1,295,024
Savings		214,261		238,596
Reciprocal money market		261,994		212,033
Individual retirement accounts (1)		35,029		34,543
Time deposits, $250 and over (1)		154,240		129,593
Other certificates of deposit (1)		288,553		239,643
Reciprocal time deposits (1)		78,167		80,016
Wholesale brokered deposits (1)		87,383		87,285
Total Core Bank interest-bearing deposits		3,776,309		3,483,250
Total Core Bank noninterest-bearing deposits		1,169,772		1,123,208
Total Core Bank deposits		4,946,081		4,606,458
Republic Processing Group:
Wholesale brokered deposits (1)		13,304		199,964
Interest-bearing prepaid card deposits		286,567		296,921
Money market		23,142		22,647
Total RPG interest-bearing deposits		323,013		519,532
Noninterest-bearing prepaid card deposits		4,040		2,842
Other noninterest-bearing deposits		65,211		81,714
Total RPG noninterest-bearing deposits		69,251		84,556
Total RPG deposits		392,264		604,088
Total deposits	$	5,338,345	$	5,210,546

(1) Represents time deposits.