BlastPoint

BlastPoint's Banking Scorecard

Bank Forward

$1B-$10B Specialty: Agricultural ND FDIC cert 8941

Designations: ✓ Community bank

Fargo, ND

12 branches across ND · 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 12 in ND.
  • Deposits +13.5% year over year ($935.4M on the books).
  • Delinquency rate 0.67%.
  • Return on assets 1.72%.
  • Efficiency ratio 65.80% vs a 59.73% peer average.
  • Loan-to-deposit ratio 95.64% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Bank Forward has 3 strengths 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

  • + Revenue Diversifier: Top 20.7% in tier
  • + ROA 0.33% above tier average
  • + Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 38.8% in tier
  • - Credit Risk Growth: Bottom 45.3% in tier
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 6.07% above tier average
Get updates when Bank Forward releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $1.1B
+9.5% YoY -4.0% QoQ
-$1.7B $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
Bottom 12.2% in tier
Total Loans ? $894.6M
+6.4% YoY +4.5% QoQ
-$1.1B $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $935.4M
+13.5% YoY -4.3% QoQ
-$1.4B $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
Bottom 11.1% in tier
Return on Assets ? 1.72%
-4.8% YoY -2.4% QoQ
+0.33% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 3.63%
+0.7% YoY +3.9% QoQ
-0.24% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 65.80%
-1.7% YoY -0.8% QoQ
+6.07% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 0.67%
+99.4% YoY +8.6% QoQ
-0.20% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 95.64%
-6.2% YoY +9.1% QoQ
+10.60% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 21.95%
-8.9% YoY -2.6% QoQ
+0.68% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.71%
+41.2% YoY +14.3% QoQ
+0.04% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 10.17%
-7.0% YoY -5.8% QoQ
-4.67% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 7.1% in tier
Non-Interest Income / Assets ? 0.84%
-22.2% YoY +91.4% QoQ
+0.31% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Top 8.1% in tier

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 22.0%
-2.2pp YoY
-0.6pp QoQ
 +0.6pp 21.4% 21.6% 22.2% 60%
Brokered Deposits n/a n/a 9.5% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 3.6%
-0.6pp YoY
-0.1pp QoQ
 -10.4pp 14.0% 12.9% 12.5% 12%
CRE 41.8%
-2.5pp YoY
-1.5pp QoQ
 -8.3pp 50.0% 29.0% 41.4% 29%
1-4 Family 15.9%
+0.4pp YoY
-0.6pp QoQ
 -10.6pp 26.4% 12.3% 31.3% 33%
Consumer 2.1%
-0.6pp YoY
-0.2pp QoQ
 -2.6pp 4.7% 4.5% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.3% 19.7% n/a
Leverage Ratio 10.2%
-0.8pp YoY
-0.6pp QoQ
 -1.1pp 11.3% 10.7% 12.6% 41%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 217
-4 (-1.8%) YoY
-5 (-2.3%) QoQ
 -97 313 138 482 46%
Assets per Employee ($) $5.2M
+11.5% YoY
-1.8% QoQ
 -$5.3M $10.5M $8.3M $8.8M 5%
Branch Count 12
0 YoY
0 QoQ
 -8 20 7 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
+0.1pp QoQ
 0.0pp 0.2% 0.5% 0.4% 81%
Nonaccrual 0.5%
+0.4pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.7% 1.0% 52%
Allowance Coverage 1.02x
-48.5% YoY
-9.9% QoQ
 -17.69x 18.71x 73.79x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 16.2%
-0.6pp YoY
-0.3pp QoQ
 +3.6pp 12.6% 16.0% 11.6% 80%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.7% 1.7% 58%
Net Income ($, YTD) $9.9M
+5.0% YoY
— QoQ
 -$9.3M $19.2M $7.0M $40.4M 39%

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 (1)

Revenue Diversifier

growth
#47 of 222 • Top 20.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.84%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.72%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#141 of 361 • Bottom 38.8% 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: 95.64%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Credit Risk Growth

risk
#183 of 402 • Bottom 45.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

73
Non-Interest Income / Assets
revenue_mix
Value: 0.84%
Peer Median: 0.53%
#73 of 885 Top 8.1% in $1B-$10B
183
Return on Assets
profitability
Value: 1.72%
Peer Median: 1.39%
#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (5 metrics)

823
Tier 1 Capital Ratio
capital
Value: 10.17%
Peer Median: 14.84%
#823 of 885 Bottom 7.1% in $1B-$10B
788
Total Deposits
size
Value: $935.36M
Peer Median: $2.32B
#788 of 885 Bottom 11.1% in $1B-$10B
778
Total Assets
size
Value: $1.13B
Peer Median: $2.79B
#778 of 885 Bottom 12.2% in $1B-$10B
679
Total Loans
size
Value: $894.57M
Peer Median: $1.96B
#679 of 885 Bottom 23.4% in $1B-$10B
673
Loan-to-Deposit Ratio
liquidity
Value: 95.64%
Peer Median: 85.04%
#673 of 885 Bottom 24.1% in $1B-$10B
Powered by BlastPoint © 2026