Bank Comparison
Bank Forward vs Border Bank
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At Q2 2026, Bank Forward is the larger bank, with $1.13B in total assets to Border Bank's $1.06B; Bank Forward has the higher return on assets (1.66% vs 1.47%).
vs
9 · 5
winning metrics across 14 scored rows
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Capital adequacy
| Metric | Bank Forward | Border Bank |
|---|---|---|
| CET1 Ratio | — | 10.54% |
| Tier 1 Capital Ratio | — | 10.54% |
| Total Capital Ratio | — | 11.79% |
| Tier 1 Leverage Ratio | 10.17% | 9.07% |
| Equity / Assets | 10.52% | 9.06% |
Profitability
| Metric | Bank Forward | Border Bank |
|---|---|---|
| Return on Assets (ROA) | 1.66% | 1.47% |
| Return on Equity (ROE) | 15.63% | 16.59% |
| Net Interest Margin (NIM) | 3.67% | 4.16% |
| Yield on Earning Assets | 5.60% | 6.18% |
| Cost of Funds | 2.32% | 2.11% |
Asset quality
| Metric | Bank Forward | Border Bank |
|---|---|---|
| Texas Ratio | 6.67% | 10.68% |
| Non-Performing Loan Ratio | 0.67% | 1.07% |
| Non-Performing Asset Ratio | 0.71% | 1.03% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 0.68% | 1.47% |
Balance sheet
| Metric | Bank Forward | Border Bank |
|---|---|---|
| Total Assets | $1.13B | $1.06B |
| Total Deposits | $935.4M | $922.6M |
| Total Loans | $900.7M | $901.5M |
| Total Equity | $118.9M | $96.0M |
| Net Income (quarter) | $4.8M | $3.9M |
Liquidity & funding
| Metric | Bank Forward | Border Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.30% | 97.71% |
| Core Deposit Ratio | 92.00% | 87.79% |
| Uninsured Deposit Ratio | 23.23% | 32.06% |
Identity
| Metric | Bank Forward | Border Bank |
|---|---|---|
| Headquarters City | Fargo | Fargo |
| Headquarters State | ND | ND |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 11 |
| Employees (FTE) | 217 | 143 |
| Established | September 5, 1927 | August 21, 1972 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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