BlastPoint's Banking Scorecard
Bank Forward
Community
Specialty: Agricultural
ND
FDIC cert 8941
Fargo, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Bank Forward has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 9% in Community
- + Profitability Leader: Top 41% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12% in Community
- - Credit Risk Growth: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.6% YoY
+7.9% QoQ
|
-$256.1M |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$863.5M
+1.4% YoY
+1.4% QoQ
|
-$112.0M |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$925.6M
+7.4% YoY
+10.1% QoQ
|
-$239.0M |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.74%
+23.6% YoY
-6.7% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
3.66%
+9.6% YoY
-0.6% QoQ
|
0 |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
67.97%
-4.0% YoY
+3.1% QoQ
|
+5.34% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.68%
+71.5% YoY
+2.4% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
93.29%
-5.6% YoY
-7.9% QoQ
|
+10.23% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
23.75%
-9.3% YoY
-4.3% QoQ
|
+2.71% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.70%
+88.3% YoY
-4.7% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
2.07%
+3.8% YoY
+25.9% QoQ
|
+1.33% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#35 of 371 · Top 9% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.07%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.74%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#151 of 371 · Top 41% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.74%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Liquidity Strain
risk
#61 of 513 · Bottom 12% 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:
93.29%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#86 of 642 · Bottom 13% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
96
96th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.29% · Tier avg: 83.06%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.75% · Tier avg: 21.05%
62
62th pctile
Total Loans
Current: $863.5M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Deposits
Current: $925.6M · Tier avg: $1.2B
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
32
32th pctile
Efficiency Ratio
Current: 67.97% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
Top Weaknesses
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Efficiency Ratio
Current: 67.97% · Tier avg: 62.63%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
55
55th pctile
Total Deposits
Current: $925.6M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $863.5M · Tier avg: $975.5M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.75% · Tier avg: 21.05%
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.29% · Tier avg: 83.06%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
96
96th pctile
Non-Interest Income / Assets
Current: 2.07% · Tier avg: 0.74%