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Forcht Bank, National Association

Lexington, KY · Cert 57415 · Forcht Bcorp Inc.

National charter · OCC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Forcht Bank, National Association

Lexington, KY · Cert 57415 · Forcht Bcorp Inc.

National charter · OCC · 22 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.5BDeposits
$146.1MEquity
Loan mix
93%RE $1.0B5%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $1.2B22%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.01%Q2 ’244.19%Q2 ’254.25%Q2 ’26+4%+8%

Non-interest income vs. expense

2.81%Q2 ’243.05%Q2 ’252.70%Q2 ’26+13%-18%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.2% share · #21 of 54 inst. · $0.4B of $187.5B

67.2% Grant
57.3% Green
8.4% Pulaski
0.5% Jefferson

Executive Summary

  • Earnings: ROA of 0.74%, up 53 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.05% of loans (-9 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.16%, down 26 bps from a year ago.
  • Funding: loans stand at 76.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+53 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+22 bps YoY

Efficiency Ratio (YTD, annualized)

74.77%-1,742 bps YoY

Tier 1 Leverage Ratio

8.16%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.35%0.41%0.61%0.74%+53 bps
Return on Equity2.44%4.00%4.66%7.00%8.45%+601 bps
Net Interest Margin2.70%2.72%2.68%2.84%2.92%+22 bps
Efficiency Ratio92.20%87.05%84.84%77.82%74.77%-1,742 bps
Non-Interest Burden2.40%2.24%2.14%2.02%1.97%-43 bps
Growth
Asset Growth (YoY)-0.63%-0.75%5.48%7.33%6.34%+697 bps
Loan Growth (YoY)0.21%-2.01%-1.38%1.88%1.59%+138 bps
Deposit Growth (YoY)3.51%4.08%7.08%7.47%8.17%+465 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.14%0.09%0.05%-9 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.00%0.01%-1 bps
Allowance / Loans1.20%1.22%1.20%1.19%1.17%-3 bps
Allowance Coverage of NPLs8.6x13.0x8.6x13.4x23.1x+14.5x
Capital
Tier 1 Leverage Ratio8.42%8.52%8.31%8.13%8.16%-26 bps
Total Risk-Based Capital13.34%13.72%13.58%13.46%13.62%+28 bps
Equity / Assets8.86%9.07%8.73%8.73%8.88%+2 bps
Liquidity & Funding
Loans / Deposits80.95%77.81%73.91%74.89%76.03%-492 bps
Liquid Assets / Assets0.29%2.11%6.17%5.27%4.60%+431 bps
CRE / Total Capitaln/a363%364%366%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Forcht Bank, National Association

Lexington, KY · Cert 57415 · Peer group: banks $1B-$10B in assets (n=322-328) · Forcht Bcorp Inc.

National charter · OCC · 22 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.5BDeposits
$146.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets (rank 29 of 322).
  • Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets (rank 292 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.74%

Rank 270 of 328

Net Interest Margin

2.92%

Rank 263 of 328

Efficiency Ratio

75.17%

Rank 292 of 328

Equity / Assets

8.88%

Rank 258 of 328

Non-interest income vs. expense

$12.4M$45.9MINCOMEEXPENSE
Unfavorable gap of $33.4M · efficiency ratio beats 11% of banks $1B-$10B in assets
Bank 75.17%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.91%1.22%1.52%Beats 18%270 / 328
Return on Equity8.38%8.43%11.45%14.43%Beats 25%247 / 328
Net Interest Margin2.92%3.03%3.45%3.83%Beats 20%263 / 328
Efficiency Ratio75.17%51.61%59.56%67.53%Beats 11%292 / 328
Asset Quality
Nonperforming Loans / Loans0.05%0.24%0.51%1.03%Beats 91%29 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 77%76 / 322
Capital
Tier 1 Capital Ratio12.37%11.75%13.15%15.47%Beats 37%206 / 328
Total Risk-Based Capital Ratio13.62%12.63%14.15%16.46%Beats 42%189 / 328
Equity / Assets8.88%9.15%10.33%12.01%Beats 21%258 / 328
Liquidity & Funding
Loans / Deposits76.03%76.63%87.92%95.36%24th pctl244 / 323
Loans / Assets68.72%65.18%74.15%79.98%32nd pctl223 / 328
Brokered Deposits / Depositsn/aNot reported for this institution