| Metric | The Bank of Forest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +4.4% | +7.4 pts |
| Deposit growth (YoY) | +13.9% | +4.0% | +9.9 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 16.1% | 11.9% | +4.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.3M | $269.0M | $164.4M | $25.6M | $2.0M | 1.41% | 3.79% | 0.73% |
| Q1 2026 | $298.1M | $271.1M | $168.5M | $25.5M | $901K | 1.26% | 3.70% | 0.78% |
| Q4 2025 | $274.0M | $231.1M | $166.4M | $25.0M | $2.8M | 1.03% | 3.72% | 0.97% |
| Q3 2025 | $270.6M | $238.4M | $162.2M | $24.5M | $1.9M | 0.97% | 3.64% | 0.95% |
| Q2 2025 | $265.2M | $236.2M | $157.4M | $21.4M | $1.1M | 0.81% | 3.56% | 0.45% |
| Q1 2025 | $267.8M | $238.5M | $155.3M | $21.6M | $254K | 0.39% | 3.32% | 0.35% |
| Q4 2024 | $256.8M | $222.6M | $149.6M | $20.4M | $2.0M | 0.75% | 3.31% | 0.40% |
| Q3 2024 | $265.5M | $228.1M | $147.4M | $23.4M | $1.7M | 0.85% | 3.38% | 0.34% |
Loan mix (Q2 2026): real estate $134.3M · commercial $18.3M · consumer $9.5M · securities $93.4M
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 62.9% | 51st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Bank of Forest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2024) · $236.2M branch deposits. Biggest market: Scott, MS, ranked 2nd with 28.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scott, MS | 1 | $176.3M | 28.39% | 2nd |
| Leake, MS | 1 | $47.4M | 9.09% | 5th |
| Rankin, MS | 1 | $12.5M | 0.28% | 21st |
Mississippi: 56th with 0.30% · Jackson metro: 15th, 0.90% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3