Forcht Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.97 percentage points in Q2 2026, from 82.94% to 84.91%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Forcht Bank, N.A. is 82nd of 120 on loan-to-deposit ratio, 76.03% as of Q2 2026, below the middle of the field. Forcht Bank, N.A. reported 76.03% on loan-to-deposit ratio for Q2 2026, 12.17 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $110.1M |
| Cash and noninterest-bearing balances to assets | 6.66% |
| Cash and securities | $401.5M |
| Fed funds sold and reverse repos | $557K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.6M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.03% |
| Net loans and leases to deposits | 75.14% |
| Loans and leases to core deposits | 84.91% |
| Core deposits to total deposits | 89.55% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 80.03% | 96.11% | $5.2M | $99.0M |
| Q4 2023 | 82.35% | 95.86% | $54.2M | $38.0M |
| Q1 2024 | 83.15% | 95.81% | $54.1M | $40.0M |
| Q2 2024 | 83.62% | 94.96% | $55.4M | $36.0M |
| Q3 2024 | 82.65% | 95.17% | $3.9M | $69.0M |
| Q4 2024 | 80.25% | 93.44% | $3.9M | $28.0M |
| Q1 2025 | 79.00% | 93.17% | $6.2M | $0 |
| Q2 2025 | 80.95% | 92.50% | $6.9M | $22.0M |
| Q3 2025 | 77.81% | 92.37% | $4.8M | $0 |
| Q4 2025 | 73.91% | 91.14% | $7.6M | $0 |
| Q1 2026 | 74.89% | 90.30% | $6.0M | $0 |
| Q2 2026 | 76.03% | 89.55% | $5.6M | $0 |
Forcht Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Forcht Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)