Forcht Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.66 percentage points higher than in Q1 2026, at 249.60%. 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. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Forcht Bank, N.A. sits 12.17 points lower, at 76.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.13B |
| Net loans and leases | $1.12B |
| Loans held for sale | $1.6M |
| Loans to total assets | 68.72% |
| Loan-to-deposit ratio | 76.03% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.11% |
| Multifamily (5+ residential) | 12.21% |
| Commercial and industrial | 5.34% |
| Consumer | 1.76% |
| Credit cards | 0.16% |
| Farm | 1.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.60% |
| Construction concentration (Tier 1 capital + allowance) | 23.85% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.52% |
| Interest income on loans | $15.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.03B | $1.29B | 32.41% | 4.38% | 2.48% |
| Q4 2023 | $1.07B | $1.30B | 31.94% | 4.11% | 2.41% |
| Q1 2024 | $1.09B | $1.32B | 31.66% | 3.96% | 2.34% |
| Q2 2024 | $1.11B | $1.33B | 30.83% | 5.21% | 2.30% |
| Q3 2024 | $1.11B | $1.35B | 30.46% | 4.92% | 2.28% |
| Q4 2024 | $1.12B | $1.40B | 30.76% | 5.23% | 2.21% |
| Q1 2025 | $1.10B | $1.39B | 30.92% | 4.39% | 2.21% |
| Q2 2025 | $1.11B | $1.38B | 31.62% | 4.61% | 2.14% |
| Q3 2025 | $1.09B | $1.40B | 30.26% | 4.13% | 2.03% |
| Q4 2025 | $1.10B | $1.49B | 29.12% | 4.69% | 1.97% |
| Q1 2026 | $1.12B | $1.50B | 28.66% | 5.05% | 1.82% |
| Q2 2026 | $1.13B | $1.49B | 28.11% | 5.34% | 1.76% |
Forcht Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Forcht Bank, N.A., freeSource: Call Report Schedule RC-C, 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)