BlastPoint's Banking Scorecard

Forcht Bank, National Association

$1B-$10B Specialty: Commercial KY FDIC cert 57415

Designations: ✓ Community bank

Lexington, KY

24 branches across KY · OH

884 banks in the $1B-$10B peer group nationally 17 in KY

Forcht Bank, National Association has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Nonperforming Asset Ratio 0.61% below tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- ROA 0.75% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 16.76% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$1.7B +7.3% YoY -0.0% QoQ	-$1.2B	$2.8B -0.1% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$1.1B +1.9% YoY +1.4% QoQ	-$858.0M	$2.0B +0.6% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$1.5B +7.5% YoY +0.1% QoQ	-$847.6M	$2.3B -0.3% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	0.61% +678.8% YoY +49.4% QoQ	-0.75%	1.37% +19.6% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Bottom 12.8% in tier
Net Interest Margin ?	3.14% +4.5% YoY +2.9% QoQ	-0.68%	3.82% +6.9% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	77.82% -25.6% YoY -8.3% QoQ	+16.76%	61.06% -4.6% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Bottom 10.5% in tier
Delinquency Rate ?	0.09% -47.5% YoY -36.7% QoQ	-0.80%	0.89% +14.1% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 10.6% in tier
Loan-to-Deposit Ratio ?	74.00% -5.2% YoY +1.4% QoQ	-10.20%	84.20% +0.3% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	13.84% -1.0% YoY +2.5% QoQ	-7.45%	21.29% -2.5% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.06% -45.8% YoY -33.9% QoQ	-0.61%	0.67% +15.6% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 9.7% in tier
Tier 1 Capital Ratio ?	12.21% -0.9% YoY -1.1% QoQ	-2.95%	15.16% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.17% +5.1% YoY -73.1% QoQ	-0.08%	0.26% +1.6% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#87 of 884 Top 9.7% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.89%

#94 of 880 Top 10.6% in $1B-$10B

201

Loan-to-Deposit Ratio

liquidity

Value: 74.00%

Peer Median: 84.20%

#201 of 884 Top 22.6% in $1B-$10B

Top Weaknesses (4 metrics)

792

Efficiency Ratio

profitability

Value: 77.82%

Peer Median: 61.06%

#792 of 884 Bottom 10.5% in $1B-$10B

772

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.37%

#772 of 884 Bottom 12.8% in $1B-$10B

689

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.82%

#689 of 884 Bottom 22.2% in $1B-$10B

678

Non-Interest-Bearing Deposit Share

funding

Value: 13.84%

Peer Median: 21.29%

#678 of 884 Bottom 23.4% in $1B-$10B