Bank Forward: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.67 percentage points higher than in Q1 2026, at 241.69%. Bank Forward ranks 10th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 96.30% (Q2 2026). Bank Forward reported 96.30% on loan-to-deposit ratio for Q2 2026, 8.09 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $900.7M |
| Net loans and leases | $894.6M |
| Loans held for sale | $2.3M |
| Loans to total assets | 79.71% |
| Loan-to-deposit ratio | 96.30% |
| Net loans to equity capital | 7.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.62% |
| Multifamily (5+ residential) | 16.19% |
| Commercial and industrial | 3.54% |
| Consumer | 2.13% |
| Credit cards | 0.00% |
| Farm | 14.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 241.69% |
| Construction concentration (Tier 1 capital + allowance) | 48.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $13.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $799.0M | $821.3M | 18.95% | 5.62% | 3.32% |
| Q4 2023 | $801.6M | $850.6M | 18.51% | 5.21% | 3.43% |
| Q1 2024 | $819.9M | $864.6M | 18.08% | 4.88% | 3.24% |
| Q2 2024 | $842.0M | $832.4M | 17.31% | 4.82% | 3.10% |
| Q3 2024 | $858.4M | $843.6M | 16.81% | 4.60% | 3.06% |
| Q4 2024 | $857.5M | $861.6M | 18.68% | 4.26% | 2.91% |
| Q1 2025 | $840.1M | $873.3M | 19.67% | 4.07% | 2.83% |
| Q2 2025 | $846.2M | $824.3M | 19.54% | 4.14% | 2.74% |
| Q3 2025 | $857.6M | $840.6M | 19.64% | 3.74% | 2.55% |
| Q4 2025 | $869.7M | $925.6M | 19.44% | 3.90% | 2.41% |
| Q1 2026 | $862.3M | $977.1M | 19.76% | 3.67% | 2.34% |
| Q2 2026 | $900.7M | $935.4M | 18.62% | 3.54% | 2.13% |
Bank Forward loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Forward, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank Forward profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8941) · FFIEC NIC profile (RSSD 812557)