Forcht Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 970.24 percentage points higher than in Q1 2026, at 2314.83%. Forcht Bank, N.A. ranks 98th of 119 Kentucky banks on return on assets, in the lower half at 0.85% (Q2 2026). Forcht Bank, N.A. reported 0.85% on return on assets for Q2 2026, 0.43 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.37% |
| Tier 1 risk-based capital ratio | 12.37% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 8.16% |
| Equity capital to assets | 8.88% |
| Tangible equity to tangible assets | 6.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.53% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 2314.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 9.92% |
| Net interest margin | 3.25% |
| Efficiency ratio | 71.58% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.03% |
| Core deposits to total deposits | 89.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.39% |
| Securities to assets | 17.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.98% | 12.98% | 14.14% | 8.70% | 0.43% |
| Q4 2023 | 12.63% | 12.63% | 13.76% | 8.49% | 0.12% |
| Q1 2024 | 12.39% | 12.39% | 13.58% | 8.46% | 0.40% |
| Q2 2024 | 12.22% | 12.22% | 13.41% | 8.39% | 0.32% |
| Q3 2024 | 12.34% | 12.34% | 13.51% | 8.46% | 0.37% |
| Q4 2024 | 12.30% | 12.30% | 13.47% | 8.47% | 0.30% |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 8.30% | -0.10% |
| Q2 2025 | 12.10% | 12.10% | 13.34% | 8.42% | 0.52% |
| Q3 2025 | 12.47% | 12.47% | 13.72% | 8.52% | 0.62% |
| Q4 2025 | 12.35% | 12.35% | 13.58% | 8.31% | 0.57% |
| Q1 2026 | 12.21% | 12.21% | 13.46% | 8.13% | 0.60% |
| Q2 2026 | 12.37% | 12.37% | 13.62% | 8.16% | 0.85% |
Forcht Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Forcht Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)