Bank Forward
Fargo, ND · Cert 8941 · Peer group: banks $1B-$10B in assets (n=322-328) · Bk Forward Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 12 branches
Q2 2026
$1.1BAssets
$900.7MLoans
$935.4MDeposits
$118.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks $1B-$10B in assets (rank 56 of 322).
- Widest gap: total risk-based capital ratio trails 96% of banks $1B-$10B in assets (rank 315 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.38%
Rank 114 of 328
Net Interest Margin
3.37%
Rank 183 of 328
Efficiency Ratio
65.83%
Rank 237 of 328
Equity / Assets
10.52%
Rank 156 of 328
Non-interest income vs. expense
Unfavorable gap of $19.1M · efficiency ratio beats 28% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.91% | 1.22% | 1.52% | Beats 65% | 114 / 328 | | |
| Return on Equity | 13.07% | 8.43% | 11.45% | 14.43% | Beats 64% | 118 / 328 | | |
| Net Interest Margin | 3.37% | 3.03% | 3.45% | 3.83% | Beats 44% | 183 / 328 | | |
| Efficiency Ratio | 65.83% | 51.61% | 59.56% | 67.53% | Beats 28% | 237 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.24% | 0.51% | 1.03% | Beats 40% | 195 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 83% | 56 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 10.17% | 11.75% | 13.15% | 15.47% | Beats 6% | 308 / 328 | | |
| Total Risk-Based Capital Ratio | 10.17% | 12.63% | 14.15% | 16.46% | Beats 4% | 315 / 328 | | |
| Equity / Assets | 10.52% | 9.15% | 10.33% | 12.01% | Beats 52% | 156 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.30% | 76.63% | 87.92% | 95.36% | 77th pctl | 73 / 323 | | |
| Loans / Assets | 79.71% | 65.18% | 74.15% | 79.98% | 74th pctl | 85 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |