Republic Bancorp, Inc., through its subsidiary, Republic Bank & Trust Company, provides banking services to individuals and businesses in the United States. It operates in four segments: Traditional Banking, Warehouse Lending, Mortgage Banking, and Republic Processing Group. The company offers various deposit products for commercial business clients; single family, first lien residential real estate, and adjustable rate mortgage loans; home equity loans and lines of credit; and commercial real estate and multi-family loans for office buildings, medical facilities, retail centers, warehouses, apartment buildings, condominiums, schools, religious institutions, and other commercial properties. It also provides residential construction real estate loans for the construction of single family dwellings; secured and unsecured personal loans; Internet and correspondent lending; and trust, title insurance, and other financial products and services. In addition, it offers lockbox processing, remote deposit capture, business on-line banking, account reconciliation, and automated clearing house processing services; Internet banking services; and financial products and services to high net worth individuals. Further, the company provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitates the payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; general purpose reloadable prepaid debit cards through third party program managers; and short-term consumer credit products. The company, through its subsidiary, Republic Insurance Services, Inc. offers property and casualty insurance services. As of April 17, 2015, it operated 40 banking centers, including 32 banking centers in 12 Kentucky communities; 3 in southern Indiana; 2 in Florida; 2 in Tennessee; and 1 in Blue Ash, Ohio. Republic Bancorp, Inc. was founded in 1974 and is headquartered in Louisville, Kentucky.