Bank of Forest: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.44 percentage points higher than in Q1 2026, at 97.96%. Within Mississippi, Bank of Forest is 14th of 57 on return on assets, 1.54% as of Q2 2026, above the middle of the field. Bank of Forest reported 1.54% on return on assets for Q2 2026, 0.28 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.91% |
| Equity capital to assets | 8.66% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.30% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 8.95% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 97.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 17.92% |
| Net interest margin | 3.76% |
| Efficiency ratio | 59.40% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.92% |
| Core deposits to total deposits | 77.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.78% |
| Securities to assets | 31.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.13% | 0.78% | 3.22% | 0.76% | -0.01% |
| Q4 2023 | 11.94% | 0.90% | 3.28% | 0.70% | 0.01% |
| Q1 2024 | 11.29% | 0.73% | 3.10% | 0.69% | 0.02% |
| Q2 2024 | 11.42% | 0.78% | 3.23% | 0.64% | 0.16% |
| Q3 2024 | 11.77% | 1.00% | 3.46% | 0.62% | 0.02% |
| Q4 2024 | 11.60% | 0.43% | 3.02% | 0.64% | 0.07% |
| Q1 2025 | 11.61% | 0.38% | 3.18% | 0.69% | 0.01% |
| Q2 2025 | 11.52% | 1.22% | 3.69% | 0.67% | 0.02% |
| Q3 2025 | 11.71% | 1.28% | 3.75% | 1.47% | 0.03% |
| Q4 2025 | 11.45% | 1.22% | 3.90% | 1.67% | 0.03% |
| Q1 2026 | 10.93% | 1.22% | 3.57% | 1.49% | 0.02% |
| Q2 2026 | 10.91% | 1.54% | 3.76% | 1.30% | 0.05% |
Bank of Forest vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Forest, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)