Forcht Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 1.9%, from $83.0M to $84.6M, the largest move among the key lines here. Within Kentucky, Forcht Bank, N.A. is 55th of 69 on CET1 ratio, 12.37% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Forcht Bank, N.A. sits 1.11 points lower, at 12.37% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.37% |
| Tier 1 risk-based capital ratio | 12.37% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 8.16% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $135.6M |
| Tier 1 capital | $135.6M |
| Total risk-based capital | $149.3M |
| Total equity capital | $146.1M |
| Risk-weighted assets | $1.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.88% |
| Tangible equity to tangible assets | 6.87% |
| Equity capital to average assets | 8.61% |
| Internal capital growth rate | 4.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $31.0M |
| Common stock surplus | $55.5M |
| Retained earnings | $84.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.98% | 12.98% | 14.14% | 8.70% | $1.02B |
| Q4 2023 | 12.63% | 12.63% | 13.76% | 8.49% | $1.05B |
| Q1 2024 | 12.39% | 12.39% | 13.58% | 8.46% | $1.06B |
| Q2 2024 | 12.22% | 12.22% | 13.41% | 8.39% | $1.07B |
| Q3 2024 | 12.34% | 12.34% | 13.51% | 8.46% | $1.08B |
| Q4 2024 | 12.30% | 12.30% | 13.47% | 8.47% | $1.08B |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 8.30% | $1.06B |
| Q2 2025 | 12.10% | 12.10% | 13.34% | 8.42% | $1.08B |
| Q3 2025 | 12.47% | 12.47% | 13.72% | 8.52% | $1.06B |
| Q4 2025 | 12.35% | 12.35% | 13.58% | 8.31% | $1.08B |
| Q1 2026 | 12.21% | 12.21% | 13.46% | 8.13% | $1.10B |
| Q2 2026 | 12.37% | 12.37% | 13.62% | 8.16% | $1.10B |
Forcht Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Forcht Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Forcht Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57415) · FFIEC NIC profile (RSSD 3141726)