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Forcht Bank, National Association
Lexington, KY · FDIC Certificate #57415 · Chartered 10/0
Total assets
$1.65B
Total deposits
$1.49B
Total equity
$146.15M
Net loans
$1.12B
Branches (offices)
22
Net income (YTD)
$6.12M
Rank: #684 of 4,213 U.S. banks by assets · #11 of 120 in Kentucky. Assets changed 6.3% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 8.45% |
| Net interest margin (YTD) | 3.26% |
| Equity to assets | 8.88% |
| Tier 1 leverage ratio | 8.16% |
| Uninsured deposits (share of deposits) | 19.9% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.04B | 93.3% | |
| Commercial & industrial | $60.45M | 5.4% | |
| Consumer / individual | $19.94M | 1.8% | |
| Construction & development | $35.50M | 3.2% | |
| Agricultural | $559.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.50B | $1.35B | $4.44M | $137.47M |
| Jun 2023 | $1.49B | $1.29B | $3.70M | $129.18M |
| Jun 2024 | $1.56B | $1.33B | $2.89M | $129.81M |
| Jun 2025 | $1.55B | $1.38B | $1.65M | $137.13M |
| Jun 2026 | $1.65B | $1.49B | $6.12M | $146.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.39B | 21 |
| Ohio | $100.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.49B.
Similar-sized banks
The Ohio Valley Bank Company ($1.65B) · Meredith Village Savings Bank ($1.64B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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