Forcht Bank, National Association is a national bank headquartered in Lexington, Kentucky, in business for about 24 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.5B in deposits, with 23 offices across 2 states.
Based on its Q2 2026 filing, Forcht Bank, National Association scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 88th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (32/100; 8.16%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (61 → 66), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 59 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.39% |
| Q3 2024 | 8.46% |
| Q4 2024 | 8.47% |
| Q1 2025 | 8.30% |
| Q2 2025 | 8.42% |
| Q3 2025 | 8.52% |
| Q4 2025 | 8.31% |
| Q1 2026 | 8.13% |
| Q2 2026 | 8.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.36% |
| Q1 2025 | -0.11% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.6B | 8.16% | 0.05% | 0.74% | 75.1% |
| Q1 2026 | 65 | $1.7B | 8.13% | 0.09% | 0.61% | 74.0% |
| Q4 2025 | 63 | $1.7B | 8.31% | 0.14% | 0.41% | 73.0% |
| Q3 2025 | 63 | $1.6B | 8.52% | 0.09% | 0.35% | 76.9% |
| Q2 2025 | 61 | $1.5B | 8.42% | 0.14% | 0.21% | 80.0% |
| Q1 2025 | 59 | $1.5B | 8.30% | 0.17% | -0.11% | 78.0% |
| Q4 2024 | 63 | $1.6B | 8.47% | 0.15% | 0.36% | 79.3% |
| Q3 2024 | 62 | $1.6B | 8.46% | 0.17% | 0.38% | 81.7% |
| Q2 2024 | 62 | $1.6B | 8.39% | 0.14% | 0.37% | 82.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |
| Community Financial Services BankBank Benton, KY | 70 out of 100, Strong | $1.4B | 10.3% | 0.42% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Heritage Bank, Inc.Bank Burlington, KY | 65 out of 100, Moderate | $2.0B | 9.0% | 0.47% | vs |
| First Southern National BankBank Lancaster, KY | 68 out of 100, Moderate | $1.3B | 10.8% | 0.61% | vs |
Deposit insurance
Is my money safe at Forcht Bank, National Association?
Yes. Forcht Bank, National Association is an FDIC-insured institution (FDIC certificate #57415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.9% of deposits ($295.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.62% (benchmark: 10%).
23 locations
Branches
Forcht Bank, National Association lists 22 offices in 15 cities across 2 states. Most locations:
- Lexington, KY (3)
- Campbellsville, KY (2)
- Corbin, KY (2)
- London, KY (2)
- Louisville, KY (2)
- Somerset, KY (2)
- Barbourville, KY (1)
- Burlington, KY (1)
- Cincinnati, OH (1)
- Crittenden, KY (1)
- Dry Ridge, KY (1)
- Greensburg, KY (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Business Power Visa Card | 12.75% – 14.75% | — | $25 | 1.0% |
| Forcht Bank Reserve Visa Card | 18.75% – 24.75% | $295 | $27 | 1.0% |
| iStudent Visa | 20.75% – 24.75% | $0 | $27 | 1.0% |
| Passport Visa | 18.75% – 24.75% | $0 | $27 | 1.0% |
| Simple Visa Card | 13.75% – 17.75% | $0 | $27 | 1.0% |
Identity & history
Profile
- Legal name
- Forcht Bank, National Association
- Former names
- First National Bank of Lexington
- Type
- National bank
- FDIC certificate #
- 57415
- RSSD ID
- 3141726
- Primary regulator
- OCC
- Holding company
- Forcht Bcorp Inc
- Established
- October 1, 2002
- Headquarters
- 2404 Sir Barton Way, Lexington, KY 40509
- Website
- www.forchtbank.com
- Employees
- 247
Quick answers
Forcht Bank, National Association: common questions
Is Forcht Bank, National Association FDIC insured?
Yes. Forcht Bank, National Association is an FDIC-insured institution (FDIC certificate #57415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Forcht Bank, National Association's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Forcht Bank, National Association ever failed?
There is no failure record for FDIC certificate #57415 in the FDIC failed bank list.
How many branches does Forcht Bank, National Association have?
23 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lexington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Health & Education Federal Credit UnionCredit union Lexington, KY | 97 out of 100, Very strong | $125.8M | 17.7% | 0.23% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |