BlastPoint's Banking Scorecard
Forward Bank
Designations: ✓ Community bank
Marshfield, WI
15 branches across WI · MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +9.5% year over year ($1.0B on the books).
- Delinquency rate 0.28%.
- Return on assets 0.90%.
- Efficiency ratio 72.98% vs a 59.73% peer average.
- Loan-to-deposit ratio 90.47% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Forward Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency Ratio 13.25% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+14.1% YoY
+6.4% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$938.1M
+14.0% YoY
+6.1% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$1.0B
+9.5% YoY
+3.5% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.90%
+0.8% YoY
-2.6% QoQ
|
-0.49% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
4.46%
+7.8% YoY
+0.6% QoQ
|
+0.59% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
Top 13.4% in tier |
| Efficiency Ratio ? |
72.98%
+1.6% YoY
+2.4% QoQ
|
+13.25% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
0.28%
-28.6% YoY
-14.8% QoQ
|
-0.58% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
90.47%
+4.1% YoY
+2.5% QoQ
|
+5.43% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
24.87%
+2.5% YoY
+2.6% QoQ
|
+3.60% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.21%
-28.1% YoY
-14.4% QoQ
|
-0.47% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.85%
+5.7% YoY
-3.2% QoQ
|
-2.99% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.52%
-2.1% YoY
+112.0% QoQ
|
+0.00% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.9%
+0.6pp YoY +0.6pp QoQ |
+3.5pp | 21.4% | 18.9% | 22.2% | 71% |
| Brokered Deposits | 0.0% | -9.5pp | 9.5% | 9.2% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.1%
+0.9pp YoY +0.7pp QoQ |
+2.1pp | 14.0% | 10.5% | 12.5% | 70% |
| CRE |
25.8%
+0.4pp YoY +0.1pp QoQ |
-24.2pp | 50.0% | 46.4% | 41.4% | 9% |
| 1-4 Family |
30.2%
-0.1pp YoY -0.3pp QoQ |
+3.8pp | 26.4% | 32.3% | 31.3% | 66% |
| Consumer |
3.0%
-0.2pp YoY 0.0pp QoQ |
-1.8pp | 4.7% | 2.6% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.9%
-0.3pp YoY -0.3pp QoQ |
-4.7pp | 15.6% | 15.5% | 19.7% | 9% |
| Leverage Ratio |
9.2%
+0.4pp YoY -0.2pp QoQ |
-2.1pp | 11.3% | 12.6% | 12.6% | 16% |
| Total Capital Ratio |
12.8%
+0.6pp YoY -0.4pp QoQ |
-3.9pp | 16.7% | 16.6% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
231
+28 (+13.8%) YoY +6 (+2.7%) QoQ |
-83 | 313 | 134 | 482 | 48% |
| Assets per Employee ($) |
$5.6M
+0.3% YoY +3.7% QoQ |
-$4.9M | $10.5M | $8.2M | $8.8M | 8% |
| Branch Count |
15
0 YoY 0 QoQ |
-5 | 20 | 9 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.9% | 1.0% | 29% |
| Allowance Coverage |
3.41x
+35.0% YoY +16.6% QoQ |
-15.30x | 18.71x | 56.89x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-0.6pp YoY -0.2pp QoQ |
-2.9pp | 12.6% | 11.8% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$5.5M
+10.4% YoY — QoQ |
-$13.8M | $19.2M | $7.9M | $40.4M | 14% |
Get Full Access to Forward Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.