BlastPoint's Banking Scorecard
American Federal Bank
Fargo, ND
13 branches across MN · ND
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits -0.4% year over year ($615.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.06%.
- Efficiency ratio 74.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 110.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Federal Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.21% above tier average
- - ROA 0.26% below tier average
- - Efficiency Ratio 9.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$795.8M
+3.7% YoY
+4.1% QoQ
|
+$409.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
Top 8.2% in tier |
| Total Loans ? |
$678.1M
+3.9% YoY
+4.6% QoQ
|
+$419.8M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Top 3.2% in tier |
| Total Deposits ? |
$615.6M
-0.4% YoY
-0.8% QoQ
|
+$288.8M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
Top 11.2% in tier |
| Return on Assets ? |
1.06%
+2.3% YoY
+18.0% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.05%
+5.6% YoY
+2.7% QoQ
|
+0.06% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
74.11%
-0.6% YoY
-5.2% QoQ
|
+9.63% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
110.16%
+4.3% YoY
+5.4% QoQ
|
+32.21% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.68%
-7.8% YoY
-18.9% QoQ
|
-5.35% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.92%
-4.2% YoY
-0.1% QoQ
|
-2.99% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.25%
+6.8% YoY
+141.6% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
63% |
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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.7%
-1.4pp YoY -3.9pp QoQ |
-5.5pp | 22.1% | 21.6% | 22.2% | 31% |
| Brokered Deposits |
0.5%
-0.2pp YoY 0.0pp QoQ |
-7.4pp | 7.9% | 6.0% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.4%
+0.2pp YoY +0.4pp QoQ |
-8.2pp | 11.6% | 12.9% | 12.5% | 11% |
| CRE |
29.8%
-1.4pp YoY -1.3pp QoQ |
-9.7pp | 39.5% | 29.0% | 41.4% | 34% |
| 1-4 Family |
27.8%
+2.9pp YoY +1.0pp QoQ |
-4.8pp | 32.6% | 12.3% | 31.3% | 46% |
| Consumer |
0.9%
-0.1pp YoY 0.0pp QoQ |
-3.2pp | 4.1% | 4.5% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
-0.6pp YoY 0.0pp QoQ |
-5.9pp | 18.8% | 15.3% | 19.7% | 27% |
| Leverage Ratio |
9.3%
-0.5pp YoY +0.3pp QoQ |
-2.9pp | 12.2% | 10.7% | 12.6% | 18% |
| Total Capital Ratio |
14.2%
-0.6pp YoY 0.0pp QoQ |
-5.8pp | 19.9% | 16.3% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
130
-1 (-0.8%) YoY 0 QoQ |
+71 | 58 | 138 | 482 | 95% |
| Assets per Employee ($) |
$6.1M
+4.5% YoY +4.1% QoQ |
-$1.4M | $7.5M | $8.3M | $8.8M | 36% |
| Branch Count |
13
0 YoY 0 QoQ |
+8 | 4 | 7 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.5% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 73.79x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+0.5pp YoY +1.8pp QoQ |
-0.2pp | 12.2% | 16.0% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 55% |
| Net Income ($, YTD) |
$4.1M
+2.7% YoY — QoQ |
+$1.6M | $2.6M | $7.0M | $40.4M | 82% |
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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.