BlastPoint's Banking Scorecard
Forcht Bank, National Association
Designations: ✓ Community bank
Lexington, KY
23 branches across KY · OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
- Deposits +8.2% year over year ($1.5B on the books).
- Delinquency rate 0.05%.
- Return on assets 0.74%.
- Efficiency ratio 74.77% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.14% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Forcht Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.81% below tier average
- + Nonperforming Asset Ratio 0.63% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 15.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+6.3% YoY
-0.4% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$1.1B
+1.6% YoY
+1.0% QoQ
|
-$845.4M |
$2.0B
-0.3% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$1.5B
+8.2% YoY
-0.5% QoQ
|
-$831.1M |
$2.3B
-0.5% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.74%
+250.0% YoY
+21.5% QoQ
|
-0.65% |
1.39%
+17.0% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.26%
+7.9% YoY
+4.1% QoQ
|
-0.61% |
3.87%
+6.2% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
74.77%
-18.9% YoY
-3.9% QoQ
|
+15.05% |
59.73%
-12.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate ? |
0.05%
-63.7% YoY
-42.5% QoQ
|
-0.81% |
0.87%
+11.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 8.2% in tier |
| Loan-to-Deposit Ratio ? |
75.14%
-6.0% YoY
+1.5% QoQ
|
-9.90% |
85.04%
-0.1% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
22.46%
+59.3% YoY
+62.3% QoQ
|
+1.18% |
21.27%
-1.5% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.04%
-60.1% YoY
-38.4% QoQ
|
-0.63% |
0.67%
+11.7% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 8.2% in tier |
| Tier 1 Capital Ratio ? |
12.37%
+2.2% YoY
+1.3% QoQ
|
-2.47% |
14.84%
-0.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.38%
+12.3% YoY
+116.0% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.5%
+8.4pp YoY +8.6pp QoQ |
+1.1pp | 21.4% | 23.5% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.5% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.4%
+0.7pp YoY +0.3pp QoQ |
-8.6pp | 14.0% | 8.6% | 12.5% | 20% |
| CRE |
44.0%
-2.1pp YoY -0.3pp QoQ |
-6.0pp | 50.0% | 37.1% | 41.4% | 34% |
| 1-4 Family |
47.8%
+1.5pp YoY 0.0pp QoQ |
+21.3pp | 26.4% | 41.6% | 31.3% | 88% |
| Consumer |
1.8%
-0.4pp YoY -0.1pp QoQ |
-2.9pp | 4.7% | 4.8% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.3pp YoY +0.2pp QoQ |
-3.2pp | 15.6% | 20.2% | 19.7% | 31% |
| Leverage Ratio |
8.2%
-0.3pp YoY 0.0pp QoQ |
-3.2pp | 11.3% | 14.0% | 12.6% | 3% |
| Total Capital Ratio |
13.6%
+0.3pp YoY +0.2pp QoQ |
-3.1pp | 16.7% | 21.3% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
247
-5 (-2.0%) YoY +1 (+0.4%) QoQ |
-67 | 313 | 105 | 482 | 54% |
| Assets per Employee ($) |
$6.7M
+8.5% YoY -0.8% QoQ |
-$3.8M | $10.5M | $6.3M | $8.8M | 20% |
| Branch Count |
23
-1 (-4.2%) YoY 0 QoQ |
+3 | 20 | 8 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.3% | 0.4% | 1% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
23.11x
+168.1% YoY +71.9% QoQ |
+4.40x | 18.71x | 7.45x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+6.0pp YoY +1.4pp QoQ |
-4.1pp | 12.6% | 13.3% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.7% | 1.7% | 27% |
| Net Income ($, YTD) |
$6.1M
+272.3% YoY — QoQ |
-$13.1M | $19.2M | $5.1M | $40.4M | 17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.