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Bank Forward
Fargo, ND · FDIC Certificate #8941 · Chartered 09/0
Total assets
$1.13B
Total deposits
$935.36M
Total equity
$118.93M
Net loans
$894.57M
Branches (offices)
12
Net income (YTD)
$9.90M
Rank: #937 of 4,213 U.S. banks by assets · #12 of 60 in North Dakota. Assets changed 9.5% and deposits 13.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 16.19% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 10.52% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.67% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.6% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $645.09M | 72.1% | |
| Commercial & industrial | $31.86M | 3.6% | |
| Consumer / individual | $19.22M | 2.1% | |
| Construction & development | $60.01M | 6.7% | |
| Agricultural | $200.93M | 22.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $880.54M | $775.36M | $7.33M | $85.09M |
| Jun 2023 | $923.74M | $773.08M | $8.76M | $94.94M |
| Jun 2024 | $1.01B | $832.45M | $6.70M | $103.54M |
| Jun 2025 | $1.03B | $824.32M | $9.43M | $113.37M |
| Jun 2026 | $1.13B | $935.36M | $9.90M | $118.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $836.16M | 10 |
| Minnesota | $99.19M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $935.36M.
Similar-sized banks
Bank Of Commerce ($1.13B) · Liberty Bank And Trust Company ($1.13B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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