Forcht Bank National Assn: Bank Stress & Real-Estate Credit Exposure

At 80/100, Forcht Bank National Assn's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #57415. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Forcht Bank National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Forcht Bank National Assn runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 2 states, spanning 190 ZIP codes. Its heaviest exposure sits in Kentucky (11 counties), Ohio (1 county). Because Forcht Bank National Assn is held under Forcht Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. The Forcht Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 80/100 reading and 12-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Forcht Bank National Assn is directly comparable to any lender in the country. At the county level, Forcht Bank National Assn finances markets like Hamilton County, OH, Jefferson County, KY, Knox County, KY, Fayette County, KY — the specific places where its credit posture translates into local lending capacity. A severe score on a footprint this size means the markets Forcht Bank National Assn touches inherit a corresponding share of that lending pressure. DLRadar does not model Forcht Bank National Assn in isolation: the 190-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when Forcht Bank National Assn pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.