Forcht Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Forcht Bank, N.A. of Lexington, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 1.46% | -0.61% | 21st bottom |
| ROAE | 9.92% | 12.72% | -2.80% | 31st below |
| Net Interest Margin | 3.25% | 3.85% | -0.60% | 24th bottom |
| Efficiency Ratio | 71.58% | 57.40% | +14.18% | 18th bottom |
| PPNR / Avg Assets | 1.04% | 1.88% | -0.84% | 17th bottom |
| Yield on Earning Assets | 4.73% | 5.72% | -0.99% | 12th bottom |
| Cost of Funds | 1.56% | 2.02% | -0.46% | 78th top |
| Net Interest Spread | 2.85% | 3.18% | -0.33% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 1.00% | -0.95% | 92nd top |
| NPA / Total Assets | 0.04% | 0.76% | -0.72% | 92nd top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 59th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.31% | -0.14% | 53rd above |
| ACL / NPLs (Coverage) | 2314.83% | 542.20% | +1772.63% | — |
| Texas Ratio | 0.53% | 7.39% | -6.86% | 92nd top |
| Provision / NCO | 0.00% | 619.07% | -619.07% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.37% | 17.34% | -4.97% | 31st below |
| Tier 1 Ratio | 12.37% | 17.37% | -5.00% | 31st below |
| Total Capital Ratio | 13.62% | 18.42% | -4.80% | 33rd below |
| Leverage Ratio | 8.16% | 11.44% | -3.28% | 3rd bottom |
| Equity / Assets | 8.88% | 11.34% | -2.46% | 20th bottom |
| TCE / Tangible Assets | 6.87% | 10.50% | -3.63% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.03% | 86.96% | -10.93% | 77th top |
| Core Deposit Ratio | 89.55% | 85.55% | +4.00% | 56th above |
| Uninsured Deposit Ratio | 19.87% | 33.13% | -13.26% | 84th top |
| Wholesale Funding Ratio | 0.34% | 5.71% | -5.37% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.34% | 9.68% | -3.34% | 58th above |
| Loan Growth (Y/Y) | 1.59% | 8.06% | -6.47% | 26th below |
| Deposit Growth (Y/Y) | 8.17% | 7.87% | +0.30% | 68th above |
See Forcht Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Forcht Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Forcht Bank, N.A. profile, how to read a UBPR, or how this data updates.