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15h ago

Ludlow Bank Manager Pleads Guilty to $335,000 Embezzlement

A Jan. 13, 2027, sentencing will decide prison time for aggravated identity theft plus restitution and forfeiture that aim to return stolen funds.

Reagan France, a former Northern Kentucky bank manager and ex–city council member in Northern Kentucky, has agreed to plead guilty to federal charges after admitting she stole more than $335,000 through a scheme involving customer accounts and local nonprofit organizations. (WKRC, file)
Reagan France, a former Northern Kentucky bank manager, has pleaded guilty to stealing over $335,000 from customer accounts.
Reagan France, a former Northern Kentucky bank manager and ex–city council member in Northern Kentucky, has agreed to plead guilty to federal charges after admitting she stole more than $335,000 through a scheme involving customer accounts and local nonprofit organizations. (WKRC, file)
Reagan France, a former Northern Kentucky bank manager and ex–city council member in Northern Kentucky, has agreed to plead guilty to federal charges after admitting she stole more than $335,000 through a scheme involving customer accounts and local nonprofit organizations. (WKRC, file)

Overview

  • The guilty plea was entered in U.S. District Court on Thursday, Sept. 10, 2026, when Reagan France admitted to bank fraud, theft by a bank employee and aggravated identity theft.
  • Prosecutors say France misappropriated about $335,182.42 from more than 20 customer accounts between 2022 and 2024 using transfers and cash withdrawals identified by a forensic review.
  • Investigators found specific losses of $107,893.04 from inter-account transfers and $109,821 from cash withdrawals and say France used other employees’ login credentials and forged withdrawal slips to hide the thefts.
  • France agreed to at least $250,000 in restitution offset by $173,712.81 already recovered and to a $76,287.19 forfeiture judgment, and officials say affected customers have been reimbursed.
  • The Kentucky Attorney General’s Department of Criminal Investigations led the probe with federal prosecutors handling the case, and the aggravated identity theft charge carries a mandatory two-year sentence that must run consecutively to other penalties.