Lexington, KY · Cert 57415 · Forcht Bcorp Inc.
National charter · OCC · 22 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.2% share · #21 of 54 inst. · $0.4B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.36% | -0.11% | 0.21% | 0.35% | 0.41% | 0.61% | 0.74% | +53 bps | |
| Return on Equity | 4.39% | 4.21% | -1.22% | 2.44% | 4.00% | 4.66% | 7.00% | 8.45% | +601 bps | |
| Net Interest Margin | 2.58% | 2.59% | 2.66% | 2.70% | 2.72% | 2.68% | 2.84% | 2.92% | +22 bps | |
| Efficiency Ratio | 86.42% | 86.79% | 104.65% | 92.20% | 87.05% | 84.84% | 77.82% | 74.77% | -1,742 bps | |
| Non-Interest Burden | 2.10% | 2.12% | 2.77% | 2.40% | 2.24% | 2.14% | 2.02% | 1.97% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.90% | 1.99% | -0.53% | -0.63% | -0.75% | 5.48% | 7.33% | 6.34% | +697 bps | |
| Loan Growth (YoY) | 7.98% | 4.59% | 0.53% | 0.21% | -2.01% | -1.38% | 1.88% | 1.59% | +138 bps | |
| Deposit Growth (YoY) | 4.56% | 7.34% | 5.81% | 3.51% | 4.08% | 7.08% | 7.47% | 8.17% | +465 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.15% | 0.17% | 0.14% | 0.09% | 0.14% | 0.09% | 0.05% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.02% | 0.02% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 1.19% | 1.18% | 1.22% | 1.20% | 1.22% | 1.20% | 1.19% | 1.17% | -3 bps | |
| Allowance Coverage of NPLs | 7.1x | 7.9x | 7.3x | 8.6x | 13.0x | 8.6x | 13.4x | 23.1x | +14.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.47% | 8.30% | 8.42% | 8.52% | 8.31% | 8.13% | 8.16% | -26 bps | |
| Total Risk-Based Capital | 13.51% | 13.47% | 13.57% | 13.34% | 13.72% | 13.58% | 13.46% | 13.62% | +28 bps | |
| Equity / Assets | 8.92% | 8.49% | 8.75% | 8.86% | 9.07% | 8.73% | 8.73% | 8.88% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.65% | 80.25% | 79.00% | 80.95% | 77.81% | 73.91% | 74.89% | 76.03% | -492 bps | |
| Liquid Assets / Assets | 0.64% | 0.93% | 0.64% | 0.29% | 2.11% | 6.17% | 5.27% | 4.60% | +431 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 364% | 366% | n/a | n/a | |