BlastPoint's Banking Scorecard
American Federal Bank
Community
Specialty: Agricultural
ND
FDIC cert 29140
Fargo, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
American Federal Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42% in Community
- + Loan-to-Deposit Ratio 21.97% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Liquidity Strain: Bottom 27% in Community
- - Flatlined Growth: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$782.9M
-1.5% YoY
+1.6% QoQ
|
-$608.6M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$664.3M
-3.2% YoY
+0.9% QoQ
|
-$311.2M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$632.5M
+3.3% YoY
+5.9% QoQ
|
-$532.1M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.12%
+71.5% YoY
-1.3% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.77%
+10.0% YoY
-3.1% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
72.26%
-9.2% YoY
-0.6% QoQ
|
+9.63% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.01%
+471.0% YoY
-14.5% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
105.03%
-6.2% YoY
-4.7% QoQ
|
+21.97% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.27%
+1.1% YoY
+12.3% QoQ
|
-0.78% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.01%
+461.4% YoY
-15.1% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
12.21%
+2.1% YoY
-11.1% QoQ
|
+1.97% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.48%
+7.9% YoY
+29.5% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#155 of 371 · Top 42% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
105.03%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#8 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#137 of 513 · Bottom 27% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
105.03%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#71 of 245 · Bottom 29% in Community
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:
1.12%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.03% · Tier avg: 83.06%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.27% · Tier avg: 21.05%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 10.24%
47
47th pctile
Total Loans
Current: $664.3M · Tier avg: $975.5M
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
34
34th pctile
Total Assets
Current: $782.9M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $632.5M · Tier avg: $1.2B
22
22th pctile
Efficiency Ratio
Current: 72.26% · Tier avg: 62.63%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 72.26% · Tier avg: 62.63%
31
31th pctile
Total Deposits
Current: $632.5M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $782.9M · Tier avg: $1.4B
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
47
47th pctile
Total Loans
Current: $664.3M · Tier avg: $975.5M
49
49th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 10.24%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.27% · Tier avg: 21.05%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.03% · Tier avg: 83.06%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%