BankingStats

Forcht Bank, National Association

Lexington, Kentucky, Fayette County

$1.6B in total assets, the 701st largest of 4,309 US banks and 11th of 120 headquartered in Kentucky.

FDIC certificate
57415
Established
2002
Owned by
Forcht Bcorp Inc
Primary regulator
OCC
Website
www.forchtbank.com

At a glance

Compared with 15 banks headquartered in Kentucky with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure This bank Percentile Peer range, middle 90% Peer median
Total assets $1.6B 40% $2.0B
Loans $1.1B 47% $1.2B
Deposits $1.5B 40% $1.7B
Return on assets 0.68% 2% 1.32%
Net interest margin 3.26% 13% 3.83%
Efficiency ratio 74.8% 98% 54.6%
Equity to assets 8.88% 33% 10.28%
Loans to deposits 76% 27% 84%

Growth

Total assets grew 1.8% a year over the last 5 years and 5.0% a year over 10 years, including 1 acquisition in the last 10 years.

Acquisitions

ClosedAcquired bankAssets at acquisition
Oct 2018Watch Hill Bank Cincinnati, OH$166M
Oct 2014Grant County Deposit Bank Williamstown, KY$73M
Dec 2007Tri-County National Bank Corbin, KY, an affiliate under the same holding company$100M
Dec 2007Williamsburg National Bank Williamsburg, KY, an affiliate under the same holding company$69M
Dec 2007Campbellsville National Bank Campbellsville, KY, an affiliate under the same holding company$70M
Dec 2007Laurel National Bank London, KY, an affiliate under the same holding company$103M
Dec 2007Somerset National Bank Somerset, KY, an affiliate under the same holding company$180M
Dec 2007PRP National Bank Pleasure Ridge Park, KY, an affiliate under the same holding company$77M
Dec 2007Deposit Bank & Trust Co. Greensburg, KY, an affiliate under the same holding company$105M
Dec 2007Boone National Bank Burlington, KY, an affiliate under the same holding company$60M
Dec 2007Eagle Bank, Inc. Williamstown, KY$149M

Where they operate

22 branches in 12 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Grant County, KY$255M67.2%1 of 3
Green County, KY$168M57.3%1 of 4
Pulaski County, KY$159M8.4%5 of 12
Jefferson County, KY$155M0.5%15 of 28
Fayette County, KY$140M1.2%17 of 31
Knox County, KY$137M28.8%2 of 6

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Branch history since 2016

Net loss of 8 branches since 2016 (30 to 22, −26.7%). 1 opened, 1 acquired, 10 closed or sold.

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point30
2016Closed Louisville01−129
2017Closed 3 in Kentucky03−326
2018Acquired Watch Hill BankOpened Cincinnati, closed 4 in Kentucky24−224
2020Closed Greensburg01−123
2026 through Q2Closed Cincinnati01−122

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
1-4 family residential 47%31%
Commercial real estate 28%31%
Multifamily 12%7%
Business (C&I) 5%10%
Construction and land 3%9%
Consumer 2%5%
Farmland 2%5%
Agricultural 0%1%
Other 1%2%

Deposits by type

TypeShareThis bankPeers
Other interest-bearing 53%55%
Time deposits 25%23%
Noninterest-bearing 22%22%

Brokered deposits are 0.0% of deposits (peers 2.7%).

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

This bankPeer median
Noncurrent loans0.05%0.30%
Net charge-offs, annualized0.01%0.02%
Reserves to loans1.17%1.19%
Leverage ratio8.16%10.85%

Noncurrent loans exclude government-guaranteed portions.

Similar size in Kentucky

Largest competitors in Grant County, KY

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/forcht