The Bank of Forest

Forest, MississippiFDIC Cert #898

STATEEstablished 19003 branches

Holding company: FIRST FOREST CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$23.1M
Investor CRE	$26.6M
Multifamily	$2.65M
Construction	$21M
1–4 family	$46.5M
C&I	$19.2M
Agriculture	$21.3M
Other	$10.2M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$171M

+8.5%y/y

Percentile by value81st percentileby value

FDICLNLSGR

Net loans

$168M

+8.5%y/y

Percentile by value81st percentileby value

FDICLNLSNET

Loans YoY

+8.48%

+41.9%y/y

Percentile by value67th percentileby value

FDICLNLSNET

L/D

62.1%

−4.6%y/y

Percentile by value29th percentileby value

FDICLNLSNET + DEP

Loans/assets

56.5%

−2.6%y/y

Percentile by value34th percentileby value

FDICLNLSNET + ASSET

RE loans %

85.58%

−0.3%y/y

Percentile by value66th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,590points

+6.4%y/y

Peer standing92nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

13.54%

−13.1%y/y

Percentile by value68th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

15.60%

−15.7%y/y

Percentile by value75th percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.27%

+33.9%y/y

Percentile by value57th percentileby value

FDICLNCI + LNLSGR