Bank of Forest: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Core deposits to total deposits dropped 1.16 percentage points in Q2 2026, from 78.52% to 77.36%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Bank of Forest is 46th of 57 on loan-to-deposit ratio, 61.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Forest sits 18.92 points lower, at 61.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.92% |
| Net loans and leases to deposits | 61.13% |
| Loans and leases to core deposits | 80.04% |
| Core deposits to total deposits | 77.36% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 64.67% | 83.13% | $0 | $10.0M |
| Q4 2023 | 66.52% | 83.37% | $0 | $12.5M |
| Q1 2024 | 65.52% | 81.49% | $0 | $19.0M |
| Q2 2024 | 65.77% | 81.39% | $0 | $16.0M |
| Q3 2024 | 65.43% | 81.62% | $0 | $12.0M |
| Q4 2024 | 68.05% | 81.53% | $0 | $12.0M |
| Q1 2025 | 65.92% | 79.78% | $0 | $6.0M |
| Q2 2025 | 67.47% | 78.92% | $0 | $6.0M |
| Q3 2025 | 68.88% | 79.40% | $0 | $6.0M |
| Q4 2025 | 72.88% | 81.32% | $0 | $16.1M |
| Q1 2026 | 62.90% | 78.52% | $0 | $0 |
| Q2 2026 | 61.92% | 77.36% | $0 | $0 |
Bank of Forest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Forest, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Forest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 898) · FFIEC NIC profile (RSSD 642437)