Bank of Forest: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.16 percentage points lower than in Q1 2026, at 142.24%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.5M |
| Net loans and leases | $164.4M |
| Loans held for sale | $0 |
| Loans to total assets | 56.21% |
| Loan-to-deposit ratio | 61.92% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.97% |
| Multifamily (5+ residential) | 1.58% |
| Commercial and industrial | 10.98% |
| Consumer | 5.70% |
| Credit cards | 0.08% |
| Farm | 11.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.24% |
| Construction concentration (Tier 1 capital + allowance) | 58.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.55% |
| Interest income on loans | $3.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $140.2M | $216.9M | 36.37% | 8.58% | 6.16% |
| Q4 2023 | $145.9M | $219.4M | 35.04% | 8.84% | 6.00% |
| Q1 2024 | $148.4M | $226.5M | 35.06% | 8.73% | 6.15% |
| Q2 2024 | $148.0M | $225.0M | 34.92% | 7.86% | 6.51% |
| Q3 2024 | $149.2M | $228.1M | 34.27% | 7.42% | 6.70% |
| Q4 2024 | $151.5M | $222.6M | 34.76% | 7.24% | 6.31% |
| Q1 2025 | $157.2M | $238.5M | 34.08% | 8.42% | 5.86% |
| Q2 2025 | $159.4M | $236.2M | 33.15% | 9.06% | 5.91% |
| Q3 2025 | $164.2M | $238.4M | 32.42% | 9.67% | 5.70% |
| Q4 2025 | $168.5M | $231.1M | 30.41% | 10.16% | 5.32% |
| Q1 2026 | $170.5M | $271.1M | 29.14% | 11.27% | 5.07% |
| Q2 2026 | $166.5M | $269.0M | 28.97% | 10.98% | 5.70% |
Bank of Forest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Forest, freeSource: Call Report Schedule RC-C, 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)