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Forest, VA · FDIC Certificate #58563 · Chartered 06/0
Total assets
$524.45M
Total deposits
$448.41M
Total equity
$43.50M
Net loans
$455.85M
Branches (offices)
6
Net income (YTD)
$3.13M
Rank: #1,729 of 4,213 U.S. banks by assets · #37 of 56 in Virginia. Assets changed 4.6% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 15.01% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 8.29% |
| Tier 1 leverage ratio | 9.54% |
| Uninsured deposits (share of deposits) | 24.4% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 101.7% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $406.16M | 89.1% | |
| Commercial & industrial | $49.53M | 10.9% | |
| Consumer / individual | $3.76M | 0.8% | |
| Construction & development | $76.06M | 16.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $406.29M | $377.37M | $1.66M | $28.11M |
| Jun 2023 | $454.78M | $420.96M | $1.93M | $31.76M |
| Jun 2024 | $464.83M | $428.86M | $1.36M | $34.37M |
| Jun 2025 | $501.21M | $446.79M | $2.15M | $36.25M |
| Jun 2026 | $524.45M | $448.41M | $3.13M | $43.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $397.59M | 5 |
| North Carolina | $50.82M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $448.41M.
Similar-sized banks
Enterprise Bank ($524.62M) · Coulee Bank ($524.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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