Forcht Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Forcht Bank, N.A. is an FDIC-insured commercial bank headquartered in Lexington, KY, established in 2002 (FDIC certificate 57415), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.65B, up 6.3% from Q2 2025, the 11th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57415
- Headquarters
- Lexington, KY
- Established
- 2002
- Total assets, Q2 2026
- $1.65B
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 12.37%
- Domestic offices
- 23 FDIC institution directory, current count
- Routing number
- 042108397
- Latest call report
- Q2 2026, FFIEC 041 · Forcht Bank, N.A. call report
- Holding company
- FORCHT BANCORP, INC.
- Asset rank in state
- 11th of 120 in Kentucky
Forcht Bank, N.A. operates with a thinner capital cushion than most banks of its size. Based in Lexington, Kentucky, it had $1.6 billion in assets at June 30, 2026, up 6.3% from a year earlier. It funds 8.16% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $3.6 million, 75% above the same quarter a year earlier. Over the same year, loans grew 1.6% and deposits grew 8.2%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Forcht Bank, N.A. reported a CET1 capital ratio of 12.37%, a return on assets of 0.85%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Forcht Bank, N.A. is the 11th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $1.65B, loans rose 1.0% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.5%. Its 22 offices in the FDIC Summary of Deposits are in 15 cities across 2 states; its Greensburg office books 11% of its branch deposits. On its Q2 2026 call report, Forcht Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2404 Sir Barton Way, Lexington, KY 40509
- County
- Fayette
- Metro Area
- Lexington-Fayette, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 1, 2002
- Domestic offices
- 23 FDIC institution directory, current count
- Employees (FTE)
- 247
- Domestic deposits
- $1.49B
- Allowance for credit losses
- $13.3M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $1.70B
- Average total loans
- $1.13B
- Average interest-bearing deposits
- $1.20B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 1, 2002
- FDIC Cert
- 57415
- Fed RSSD
- 3141726
- Website
- www.forchtbank.com →
- Parent Holding Company
- FORCHT BANCORP, INC. (RSSD 3446346)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Forcht Bank, N.A.'s total assets moved between a low of $1.52B (Q3 2023) and a high of $1.65B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.65B total assets against $1.55B; $1.50B total liabilities against $1.41B.
$1.12B net loans and leases against $1.10B; $1.49B total deposits against $1.38B.
$291.3M securities against $279.7M; $110.1M cash and balances due against $39.0M.
$18.4M total interest income against $16.7M; $5.8M total interest expense against $6.1M.
$12.6M net interest income against $10.6M.
$3.3M total noninterest income against $2.6M; $11.5M total noninterest expense against $10.6M.
$0 provision for credit losses against $30K.
$3.6M net income against $2.1M.
0.85% return on assets against 0.52%; 3.25% net interest margin against 2.94%.
12.37% CET1 capital ratio against 12.10%; 8.16% tier 1 leverage ratio against 8.42%.
Inside the full Forcht Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Forcht Bank, N.A. rankings
Its closest position to the top of a national ranking is 676 of 4,196, for total assets; its furthest is 819 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.10% (Q1 2025) to 0.85% (Q2 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.37% | 0.85% | 0.05% | 0.53% | 3.25% |
| Q1 2026 | 12.21% | 0.60% | 0.09% | 0.88% | 3.05% |
| Q4 2025 | 12.35% | 0.57% | 0.14% | 1.33% | 3.00% |
| Q3 2025 | 12.47% | 0.62% | 0.09% | 0.94% | 2.98% |
| Q2 2025 | 12.10% | 0.52% | 0.14% | 1.35% | 2.94% |
| Q1 2025 | 12.32% | -0.10% | 0.17% | 1.64% | 2.84% |
| Q4 2024 | 12.30% | 0.30% | 0.15% | 1.51% | 2.84% |
| Q3 2024 | 12.34% | 0.37% | 0.17% | 1.60% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 22 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Greensburg Banking Center Branch | Greensburg , KY | 42743 | $168.2M |
| Somerset Banking Center Branch | Somerset , KY | 42501 | $133.5M |
| Williamstown Banking Center Branch | Williamstown , KY | 41097 | $119.3M |
| Prp Banking Center Branch | Louisville , KY | 40258 | $103.5M |
| Forcht Bank, N.A. (main office) | Lexington , KY | 40509 | $102.4M |
| Columbia Square Branch | Cincinnati , OH | 45226 | $100.2M |
| Grant - Dry Ridge | Dry Ridge , KY | 41035 | $98.9M |
| London Banking Center Branch | London , KY | 40741 | $81.5M |
| Barbourville - Main | Barbourville , KY | 40906 | $71.5M |
| Burlington Banking Center Branch | Burlington , KY | 41005 | $70.9M |
| Corbin Banking Center Branch | Corbin , KY | 40701 | $65.6M |
| Williamsburg Banking Center Branch | Williamsburg , KY | 40769 | $64.8M |
| Campbellsville Banking Center Branch | Campbellsville , KY | 42718 | $60.6M |
| Jeffersontown Banking Center Branch | Louisville , KY | 40299 | $51.2M |
| Crittenden Banking Center Branch | Crittenden , KY | 41030 | $37.1M |
| South Corbin Banking Center Branch | Corbin , KY | 40701 | $28.5M |
| London Highway 192 Banking Center Branch | London , KY | 40744 | $27.4M |
| Waitsboro Banking Center Branch | Somerset , KY | 42501 | $25.8M |
| Lexington - Southland | Lexington , KY | 40503 | $23.0M |
| Richmond - Main Branch | Richmond , KY | 40475 | $21.7M |
| Campbellsville West Banking Center Branch | Campbellsville , KY | 42718 | $17.1M |
| Lexington - Lansdowne Branch | Lexington , KY | 40502 | $15.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2018 | Structure Change | Acquired Watch Hill Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2014 | Structure Change | Acquired Grant County Deposit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2007 | Structure Change | Acquired Eagle Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 16, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in KY, rank 18 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $275K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Forcht Bank, N.A.
What are Forcht Bank, N.A.'s total assets?
As of the Q2 2026 filing, Forcht Bank, N.A. reported total assets of $1.65 billion in its FFIEC call report.
Where is Forcht Bank, N.A. headquartered?
It is headquartered in Lexington, KY, United States.
When was Forcht Bank, N.A. founded?
It was established in 2002, per the FDIC institution directory.
Is Forcht Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Forcht Bank, N.A.?
Forcht Bank, N.A.'s primary federal regulator is the OCC.
What is Forcht Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does Forcht Bank, N.A. operate?
It operates 23 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Forcht Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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