BlastPoint's Banking Scorecard
Forward Bank
Designations: ✓ Community bank
Marshfield, WI
15 branches across WI · MN
Forward Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency Ratio 10.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.3% YoY
+2.2% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$884.1M
+9.6% YoY
+2.6% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$1.0B
+5.7% YoY
+0.2% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
0.92%
+9.0% YoY
-2.0% QoQ
|
-0.44% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.43%
+9.5% YoY
+3.7% QoQ
|
+0.61% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
Top 13.9% in tier |
| Efficiency Ratio ? |
71.25%
-0.0% YoY
-2.1% QoQ
|
+10.19% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.33%
-0.9% YoY
-15.1% QoQ
|
-0.56% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
88.26%
+3.7% YoY
+2.5% QoQ
|
+4.05% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
24.25%
+1.0% YoY
-1.9% QoQ
|
+2.96% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.24%
-6.9% YoY
-14.7% QoQ
|
-0.43% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.24%
+9.1% YoY
+8.4% QoQ
|
-2.92% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.25%
-13.4% YoY
-75.9% QoQ
|
-0.01% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
80% |
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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.