BlastPoint's Banking Scorecard

American Federal Bank

$100M-$1B Specialty: Agricultural ND FDIC cert 29140

Fargo, ND

13 branches across MN · ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

American Federal Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 22.3% in tier
- Liquidity Strain: Bottom 34.1% in tier
- ROA 0.37% below tier average
- Efficiency Ratio 12.85% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$764.4M -0.8% YoY -2.4% QoQ	+$378.3M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Top 10.0% in tier
Total Loans ?	$648.4M -2.0% YoY -2.4% QoQ	+$392.7M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Top 4.3% in tier
Total Deposits ?	$620.4M -0.1% YoY -1.9% QoQ	+$292.4M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Top 11.3% in tier
Return on Assets ?	0.90% -5.2% YoY -19.7% QoQ	-0.37%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.94% +5.0% YoY +4.5% QoQ	+0.01%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	78.13% +2.9% YoY +8.1% QoQ	+12.85%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.07% -51.4% YoY +395.9% QoQ	-0.82%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	104.52% -1.8% YoY -0.5% QoQ	+27.88%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ?	20.57% +2.9% YoY +1.5% QoQ	-1.45%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.06% -52.0% YoY +395.7% QoQ	-0.58%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	12.93% +1.3% YoY +5.9% QoQ	-2.90%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.10% -1.4% YoY -78.7% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#115 of 512 • Bottom 22.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.90%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#220 of 643 • Bottom 34.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 104.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

115

Total Loans

size

Value: $648.40M

Peer Median: $255.72M

#115 of 2664 Top 4.3% in $100M-$1B

267

Total Assets

size

Value: $764.39M

Peer Median: $386.08M

#267 of 2664 Top 10.0% in $100M-$1B

303

Total Deposits

size

Value: $620.36M

Peer Median: $327.97M

#303 of 2664 Top 11.3% in $100M-$1B

609

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#609 of 2654 Top 22.9% in $100M-$1B

639

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2528

Loan-to-Deposit Ratio

liquidity

Value: 104.52%

Peer Median: 76.64%

#2528 of 2664 Bottom 5.1% in $100M-$1B

2187

Efficiency Ratio

profitability

Value: 78.13%

Peer Median: 65.29%

#2187 of 2664 Bottom 17.9% in $100M-$1B