| Metric | Forward Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +5.5% | +8.6 pts |
| Deposit growth (YoY) | +9.5% | +5.1% | +4.4 pts |
| Loan growth (YoY) | +13.9% | +5.9% | +8.0 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.28B | $1.04B | $938.1M | $118.7M | $5.5M | 0.90% | 4.46% | 0.21% |
| Q1 2026 | $1.21B | $1.00B | $884.1M | $116.1M | $2.7M | 0.92% | 4.43% | 0.24% |
| Q4 2025 | $1.18B | $999.8M | $861.3M | $105.1M | $10.7M | 0.94% | 4.27% | 0.29% |
| Q3 2025 | $1.14B | $961.9M | $832.5M | $104.3M | $8.0M | 0.95% | 4.21% | 0.29% |
| Q2 2025 | $1.12B | $947.3M | $823.2M | $99.9M | $5.0M | 0.89% | 4.14% | 0.29% |
| Q1 2025 | $1.10B | $948.0M | $807.0M | $96.9M | $2.4M | 0.85% | 4.05% | 0.26% |
| Q4 2024 | $1.12B | $957.5M | $802.2M | $92.2M | $9.1M | 0.86% | 3.74% | 0.30% |
| Q3 2024 | $1.12B | $941.3M | $789.2M | $96.7M | $8.4M | 1.07% | 3.64% | 0.19% |
Loan mix (Q2 2026): real estate $695.5M · commercial $150.9M · consumer $27.7M · securities $219.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Forward Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 59.0% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Forward Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Forward Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Forward Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Forward Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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