Bank Forward: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Forward of Fargo, ND against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.66% | 1.44% | +0.22% | 75th top |
| ROAE | 15.63% | 12.50% | +3.13% | 75th top |
| Net Interest Margin | 3.67% | 3.84% | -0.17% | 47th below |
| Efficiency Ratio | 65.04% | 58.86% | +6.18% | 31st below |
| PPNR / Avg Assets | 1.72% | 1.78% | -0.06% | 49th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.71% | -0.11% | 54th above |
| Cost of Funds | 2.32% | 2.03% | +0.29% | 29th below |
| Net Interest Spread | 3.00% | 3.18% | -0.18% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.35% | 0.96% | +0.39% | 22nd bottom |
| NPA / Total Assets | 1.25% | 0.75% | +0.50% | 17th bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 72nd above |
| ACL / Total Loans | 0.68% | 1.25% | -0.57% | 9th bottom |
| ACL / NPLs (Coverage) | 50.58% | 699.56% | -648.98% | 9th bottom |
| Texas Ratio | 12.67% | 7.16% | +5.51% | 16th bottom |
| Provision / NCO | -620.00% | 816.44% | -1436.44% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.17% | 11.60% | -1.43% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.33% | -0.81% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.16% | 10.65% | -0.49% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.30% | 86.34% | +9.96% | 26th below |
| Core Deposit Ratio | 92.00% | 85.55% | +6.45% | 68th above |
| Uninsured Deposit Ratio | 23.23% | 32.72% | -9.49% | 76th top |
| Wholesale Funding Ratio | 5.80% | 5.45% | +0.35% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.47% | 10.46% | -0.99% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.44% | 7.99% | -1.55% | 55th above |
| Deposit Growth (Y/Y) | 13.47% | 7.97% | +5.50% | 84th top |
See Bank Forward's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Forward, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank Forward profile, how to read a UBPR, or how this data updates.