The Bank of Forest

Headquarters: Forest, Mississippi
Charter: Bank
Assets: $296.3M
Fed district: Atlanta
Regulator: FDIC
Holding company: First Forest Corp.

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for The Bank of Forest at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Bank of Forest's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Bank of Forest (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $155K in Q2 2026, 2.0% above the same quarter a year earlier ($152K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
The Bank of Forest: $35
The Bank of Forest: $35
U.S. median: no median
NSF / Returned Item
The Bank of Forest: $35
The Bank of Forest: $35
U.S. median: no median
Non-Network ATM
The Bank of Forest: $2
The Bank of Forest: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $155K.

Service-charge income, Q2 2026

$155K

$166KQ3 2025

$189KQ4 2025

$151KQ1 2026

$155KQ2 2026

Against the median

The Bank of ForestMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Bank of Forest · $296M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$290M to $303M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Bank of Forest(this institution)	Forest, MS	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
22nd State Banking Company	Mobile, AL	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Castle Rock Bank	Castle Rock, MN	$294M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank of Roseau	Roseau, MN	$291M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank	Eatonton, GA	$290M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Federal Savings and Loan Association	Newark, OH	$294M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First National Bank Of Commerce	Walnut Ridge, AR	$297M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
McClain Bank	Purcell, OK	$294M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
RNB STATE BANK	Rawlins, WY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Security First Bank of North Dakota	New Salem, ND	$293M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Johns Bank and Trust Company	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank	Waterloo, IL	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Savings Bank	West Des Moines, IA	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The First National Bank of Milaca	Milaca, MN	$293M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Springdale, AR	$296M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United State Bank	Lewistown, MO	$290M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The Bank of Forest does not publish a monthly maintenance fee in the index.

The peer median is $7.38 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Bank of Forest does not publish a monthly maintenance fee, so it is not on this chart.

The Bank of ForestPeer (equal prices stack)Peer medianInclude 2 outliers ($25, $25)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Bank of Forest (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $155K
vs prior quarter: +$4K+2.6%; from Q1 2026
vs a year earlier: +$3K+2.0%; from Q2 2025
vs start of range: −$12K−7.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Bank of Forest (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$155K	+$4K	+2.6%
Q1 2026	$151K	−$38K	−20.1%
Q4 2025	$189K	+$23K	+13.9%
Q3 2025	$166K	+$14K	+9.2%
Q2 2025	$152K	+$3K	+2.0%
Q1 2025	$149K	−$6K	−3.9%
Q4 2024	$155K	−$12K	−7.2%
Q3 2024	$167K	+$12K	+7.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Bank of Forest’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Maintenance (Account Closing within 90 days of opening)$25
Dormant Fee Per Month After One Year of No Activity$5
per month

Overdraft & NSF

Overdraft/Item$35
per item
Insufficient Funds/Item$35
per item

ATM & Card

ATM Transaction/Inquiry Fee (at foreign ATMs)$2
per item
Debit/ATM Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee - Outgoing$25
Wire Transfer Fee - Incoming$15

Check Services

Official Check$5
Official Check and above$10
Stop Payment/Request$35
per item
Incoming/Outgoing Collection Fee$25

Cash & Deposit

Returned Deposited Item$5

Account Services

Replacement of 1 Safe Deposit Box Key$35
Not compared: Box drilling or key fee
Garnishment Fee$50
IRS Levy Fee$50

Other Fees

Photocopies$0.50
Statement Reprint$10

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Maintenance (Account Closing within 90 days of opening)	$25	Not stated	None
Dormant Fee Per Month After One Year of No Activity	$5	per month	None
Overdraft & NSF
Overdraft/Item	$35	per item	None
Insufficient Funds/Item	$35	per item	None
ATM & Card
ATM Transaction/Inquiry Fee (at foreign ATMs)	$2	per item	None
Debit/ATM Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$25	Not stated	None
Wire Transfer Fee - Incoming	$15	Not stated	None
Check Services
Official Check	$5	Not stated	None
Official Check and above	$10	Not stated	None
Stop Payment/Request	$35	per item	None
Incoming/Outgoing Collection Fee	$25	Not stated	None
Cash & Deposit
Returned Deposited Item	$5	Not stated	None
Account Services
Replacement of 1 Safe Deposit Box Key	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50	Not stated	None
IRS Levy Fee	$50	Not stated	None
Other Fees
Photocopies	$0.50	Not stated	None
Statement Reprint	$10	Not stated	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when The Bank of Forest's monthly maintenance changes in our data

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