BlastPoint's Banking Scorecard
Forcht Bank, National Association
Community
Specialty: Commercial
KY
FDIC cert 57415
Lexington, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Forcht Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36% in Community
- - Return on Assets 0.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+5.5% YoY
+6.2% QoQ
|
+$261.5M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.1B
-1.4% YoY
+1.2% QoQ
|
+$115.9M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.5B
+7.1% YoY
+6.6% QoQ
|
+$330.1M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.41%
+13.4% YoY
+16.4% QoQ
|
-0.76% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.05%
+4.1% YoY
+0.0% QoQ
|
-0.62% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
84.84%
-2.2% YoY
-2.5% QoQ
|
+22.20% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.14%
-6.2% YoY
+48.2% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
73.02%
-7.9% YoY
-5.0% QoQ
|
-10.05% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
13.50%
-6.3% YoY
-5.9% QoQ
|
-7.55% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.10%
-7.5% YoY
+37.7% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
12.35%
+0.4% YoY
-0.9% QoQ
|
+2.11% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.65%
-8.3% YoY
+24.7% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#67 of 371 · Top 18% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Efficiency Drag
risk
#55 of 152 · Bottom 36% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.84%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.41%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 10.24%
24
24th pctile
Loan-to-Deposit Ratio
Current: 73.02% · Tier avg: 83.06%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.50% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.84% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 84.84% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.16%
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.50% · Tier avg: 21.05%
24
24th pctile
Loan-to-Deposit Ratio
Current: 73.02% · Tier avg: 83.06%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 10.24%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%