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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