Forcht Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.4% to $5.8M. Forcht Bank, N.A. ranks 104th of 119 Kentucky banks on net interest margin, in the lower half at 3.25% (Q2 2026). Forcht Bank, N.A. reported 3.25% on net interest margin for Q2 2026, 0.46 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.52% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.88% |
| Cost of borrowings | 2.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.5M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.10% | 1.14% | 3.01% | 4.87% | 2.15% |
| Q4 2023 | 4.18% | 1.45% | 2.79% | 4.90% | 2.24% |
| Q1 2024 | 4.39% | 1.60% | 2.84% | 5.07% | 2.24% |
| Q2 2024 | 4.47% | 1.72% | 2.80% | 5.16% | 2.23% |
| Q3 2024 | 4.58% | 1.91% | 2.73% | 5.31% | 2.21% |
| Q4 2024 | 4.63% | 1.84% | 2.84% | 5.36% | 2.23% |
| Q1 2025 | 4.53% | 1.76% | 2.84% | 5.24% | 2.12% |
| Q2 2025 | 4.62% | 1.74% | 2.94% | 5.33% | 2.21% |
| Q3 2025 | 4.68% | 1.76% | 2.98% | 5.43% | 2.17% |
| Q4 2025 | 4.66% | 1.72% | 3.00% | 5.42% | 2.30% |
| Q1 2026 | 4.61% | 1.61% | 3.05% | 5.38% | 2.37% |
| Q2 2026 | 4.73% | 1.56% | 3.25% | 5.52% | 2.39% |
Forcht Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Forcht Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)