Total Assets
$274M
Total balance-sheet footings
FDIC Cert #898 · Forest, Mississippi · Est. 1900
The Bank of Forest - FDIC Bank Health Profile
A community-scale look at The Bank of Forest's own numbers, pulled straight from its quarterly FDIC Call Report.
- $274M
- Total assets
- B
- Health grade · Good
- 1.03%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Forest earns a PlainBankData health grade of B (68/100), with well-capitalized at 11.45% Tier 1, profitable at 1.03% ROA, 71% efficiency ratio.
- #2,625
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 11.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 898 · MS B · 68/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-B B (68/100)
- MID-PACK #3171/4307
- PHOTO-FINISH Security First Natio… · OK
- TIER1-WELL 11.5% Tier 1
- TEXAS-CLEAN 9.8% Texas
- ROA-PAR 1.03% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Mississippi: Security First National Bank of Hugo, OK (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around The Bank of Forest
Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.
What The Bank of Forest's Call Report plate shows
The Bank of Forest (FDIC Cert #898) carries a PlainBankData health grade of B at 68/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,171 of 4,307. Tier 1 capital prints at 11.45%, clearing the 10% well-capitalized line. The Texas Ratio is 9.84%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $274M, 2,625th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security First National Bank of Hugo (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around The Bank of Forest
3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)
The Bank of Forest's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Bank of Forest remains an active FDIC-insured reporter.
- HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
- FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
- BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.
How The Bank of Forest's 68/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.45%) 28/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (9.84%) 16/20
Efficiency Ratio (70.70%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$231M
Customer-funded liabilities
Net Loans
$166M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Forest ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Forest's score of 68/100 falls in the highlighted band.
The Bank of Forest: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
68 26th percentile higher than 26% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
The Bank of Forest's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Forest's $274M falls in the highlighted band.
Safety ratios for The Bank of Forest
Tier 1 capital ratio
Well-capitalized 10%
11.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.45%
Texas Ratio
9.84%
Equity Capital
$25M
Earnings posture at The Bank of Forest
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
12.22%
Efficiency Ratio
70.70%
Income & expense at The Bank of Forest
$14M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Forest reports a Texas Ratio of 9.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($274M here), outside Mississippi so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Forest (FDIC Cert #898) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
The Bank of Forest Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |