BlastPoint's Banking Scorecard
The Bank of Forest
Designations: ✓ CDFI-certified
Forest, MS
3 branches across MS
The Bank of Forest faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 66.2% in tier
- - Net Interest Margin 0.23% below tier average
- - Efficiency Ratio 1.16% above tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.1M
+11.3% YoY
+8.8% QoQ
|
-$87.9M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$168.5M
+8.5% YoY
+1.2% QoQ
|
-$87.2M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$271.1M
+13.7% YoY
+17.3% QoQ
|
-$56.8M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.26%
+225.3% YoY
+21.8% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.70%
+11.6% YoY
-0.6% QoQ
|
-0.23% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
66.45%
-23.9% YoY
-6.0% QoQ
|
+1.16% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
1.38%
+129.4% YoY
-13.9% QoQ
|
+0.49% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
62.13%
-4.6% YoY
-13.7% QoQ
|
-14.51% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
17.80%
-14.5% YoY
-12.7% QoQ
|
-4.22% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.78%
+123.6% YoY
-19.9% QoQ
|
+0.14% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.93%
-5.9% YoY
-4.5% QoQ
|
-4.90% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.14%
-2.2% YoY
-77.0% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
70% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.