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
Unfavorable gap of $33.4M · efficiency ratio beats 11% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.91% | 1.22% | 1.52% | Beats 18% | 270 / 328 | | |
| Return on Equity | 8.38% | 8.43% | 11.45% | 14.43% | Beats 25% | 247 / 328 | | |
| Net Interest Margin | 2.92% | 3.03% | 3.45% | 3.83% | Beats 20% | 263 / 328 | | |
| Efficiency Ratio | 75.17% | 51.61% | 59.56% | 67.53% | Beats 11% | 292 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.24% | 0.51% | 1.03% | Beats 91% | 29 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 77% | 76 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.37% | 11.75% | 13.15% | 15.47% | Beats 37% | 206 / 328 | | |
| Total Risk-Based Capital Ratio | 13.62% | 12.63% | 14.15% | 16.46% | Beats 42% | 189 / 328 | | |
| Equity / Assets | 8.88% | 9.15% | 10.33% | 12.01% | Beats 21% | 258 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.03% | 76.63% | 87.92% | 95.36% | 24th pctl | 244 / 323 | | |
| Loans / Assets | 68.72% | 65.18% | 74.15% | 79.98% | 32nd pctl | 223 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |