Bank Forward (FDIC #8941): Bank Stress & Real-Estate Credit Exposure

Bank Forward (FDIC Cert #8941): bank stress 54/100, moderate, STABLE over 7 days; parent BK FORWARD EMPLOYEE STK OWNERSHIP PLAN&TR.

Bank Forward (#8941) lends in 10 counties across 2 states; Bank Forward (#8941) reaches 144 ZIP codes: North Dakota 8 counties, 103 ZIPs; Minnesota 2 counties, 41 ZIPs.

Bank Forward (#8941) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#8941), Cass County, MN (24 branches, 24 ZIPs) (#8941), Grand Forks County, ND (22 branches, 22 ZIPs) (#8941), Stutsman County, ND (21 branches, 21 ZIPs) (#8941), Barnes County, ND (40 branches, 20 ZIPs) (#8941), Beltrami County, MN (18 branches, 18 ZIPs) (#8941).

Bank Forward (#8941) reports $1.13 billion in total assets; Bank Forward (#8941) equity $118.9 million (10.5% of Bank Forward (#8941) assets); Bank Forward (#8941) domestic deposits $935.4 million; Bank Forward (#8941) net income $9.9 million; Bank Forward (#8941) return on assets 1.72%; Bank Forward (#8941) return on equity 16.19%; Bank Forward (#8941) net interest income $19.4 million; Bank Forward (#8941) call report June 30, 2026.

Bank Forward (#8941) noncurrent real-estate loans: none reported; Bank Forward (#8941) net charge-offs on real estate 0.86%; Bank Forward (#8941) residential charge-offs 0.07%.

Bank Forward (#8941) net interest margin 3.63% against an eight-quarter Bank Forward (#8941) average of 3.52% (Bank Forward (#8941) compression -0.12 points); Bank Forward (#8941) non-residential real estate 6.8% of equity; Bank Forward (#8941) rate-exposure score 40/100, Bank Forward (#8941) fixed-rate trap 40/100; Bank Forward (#8941) risk type credit driven; Bank Forward (#8941) rate regime rates elevated, Bank Forward (#8941) snapshot October 19, 2026.

Bank Forward (#8941) stress score moved from 51.4 on June 22, 2026 to 54.2 on October 19, 2026; Bank Forward (#8941) ranged 51.4 to 54.2 over 116 snapshots.

Bank Forward (#8941) alerts: 10 counties; top Bank Forward (#8941) alert scores: Grand Forks County, ND 43 (moderate); Bemidji County, ND 20 (low); Bowdon County, ND 20 (low); Carrington County, ND 20 (low); Fargo County, ND 20 (low).