BANK OF FOREST

FOREST, MS | Small | Est. March 27, 1900, midnight | FDIC #898 | RSSD #642437 | FDIC
Latest Report: 2025-12-31

BANK OF FOREST is asn small FDIC-insured commercial bank headquartered in FOREST, MS, established in March 27, 1900, midnight. As of 2025-12-31, the bank reported total assets of $274M and total deposits of $231M. Profitability stands at 1.24% ROA and 13.58% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 8.71%. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 9.01%. FDIC Certificate #898.

Assets

$274M

Deposits

$231M

Loans

$168M

Equity

$25M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 13.58%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.97%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.02%
Texas Ratio 9.01%
NPA Ratio 0.89%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 8.71%
Tier 1 Capital 8.71%
Total Capital Ratio 9.14%
Leverage Ratio 11.45%
Loan-to-Deposit 72.88%

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