Compared with North Dakota
5 of 14
compared fees are above the median.
4 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
17th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Dakota median
of 14 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Bank Forward at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank Forward's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.0% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (17th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $137K in Q2 2026, 17% above the same quarter a year earlier ($117K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 14 compared published fees sit above the North Dakota median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Dakota medians for fees published by banks and credit unions.
Monthly Maintenance
Interest Checking $10 · Forward Interest Checking $25
Compared at $17.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $20, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 14% from Q3 2025 to Q2 2026, to $137K. Its share of revenue, 1.0%, is below the 2.2% median for banks with $1B to $10B in assets.
$137K
Bank ForwardMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $1.99; we compare the midpoint. Monthly maintenance: Listed at $10 to $25; we compare the midpoint.
Bank Forward · $1.1B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank Forward(this institution) | Fargo, ND | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Bank | Allentown, PA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of Commerce | Greenwood, MS | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Labor | Overland Park, KS | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Washington | Washington, MO | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank | Mukwonago, WI | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community National Bank | Derby, VT | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| EverTrust Bank | City of Industry, CA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers State Bank | Marion, IA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Federal Bank | Memphis, TN | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Arkansas Bank and Trust | Jacksonville, AR | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Bank of Louisiana | Lake Charles, LA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank | Altavista, VA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank and Trust Company of Newtown | Newtown, PA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First National Bank, Ames, Iowa | Ames, IA | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First US Bank | Birmingham, AL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Bank | Rogers, AR | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Katahdin Trust Company | Patten, ME | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Savings Bank, F.S.B. | Wilmington, OH | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pentucket Bank | Haverhill, MA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Roswell, NM | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pointbank | Pilot Point, TX | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sturdy Savings Bank | Stone Harbor, NJ | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens National Bank of Bluffton | Bluffton, OH | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TrailWest Bank | Lolo, MT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Trustar Bank | Great Falls, VA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $17.50, the middle of its four prices, against a peer median of $7.50 among 15 publishing peers.
Its four checking prices are $10, $10, $25 and $25.
$17.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank Forward (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $137K | +$8K | +6.2% |
| Q1 2026 | $129K | +$6K | +4.9% |
| Q4 2025 | $123K | +$3K | +2.5% |
| Q3 2025 | $120K | +$3K | +2.6% |
| Q2 2025 | $117K | $0 | 0.0% |
| Q1 2025 | $117K | −$4K | −3.3% |
| Q4 2024 | $121K | −$16K | −11.7% |
| Q3 2024 | $137K | +$10K | +7.9% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Bank Forward left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank Forward by share.
Amounts from Bank Forward’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per month
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee if minimum balance not met | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee if none of the minimum balances are met | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early account closing (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant DDA account monthly fee after 12 months of inactivity (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Money Market account monthly fee after 24 months of inactivity (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research/ reconciliation (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned mail fee where no forwarding address is provided | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Fees for overdrafts and non-sufficient (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF / Returned Item (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative balance fee (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| VISA Reloadable Card - ATM Withdrawal Fees | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Reloadable Card – ATM Balance Inquiry | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Travel Card – ATM Withdrawals | $1.99Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost card issue/replacement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Reloadable Card – Lost/Stolen Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Travel Card – Lost/Stolen Replacement Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFERS: Foreign Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian check processing fee on checks over $100 (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $25Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Coin counting | 5%($2 minimum) | Not stated | None |
| Returned deposit item fee (audience not stated, treated as personal) | $4Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Lost Safe Deposit Box Key | $15Not compared: Box drilling or key fee | Not stated | None |
Retirement & IRA | |||
| IRA closeout before maturity (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card – Purchase Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Reloadable Card – Online Reload Fee | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Reloadable Card – reload Fee from Bank | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Travel Card – Reload Fee from Bank | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Document copies (audience not stated, treated as personal) | $2Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Returned mail fee where no forwarding address is provided | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| VISA Reloadable Card - ATM Withdrawal Fees | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Reloadable Card – ATM Balance Inquiry | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Travel Card – ATM Withdrawals | $1.99Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| VISA Reloadable Card – Lost/Stolen Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Travel Card – Lost/Stolen Replacement Fee | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFERS: Foreign Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $25Not compared: Monthly charge, not per item | per month | None |
| Business bill pay with basic online banking | $10 | per month | None |
Cash & Deposit | |||
| Coin counting | 5%($2 minimum) | Not stated | None |
Account Services | |||
| Lost Safe Deposit Box Key | $15Not compared: Box drilling or key fee | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card – Purchase Fee | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Reloadable Card – Online Reload Fee | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Reloadable Card – reload Fee from Bank | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Travel Card – Reload Fee from Bank | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bank Forward operates, and what regulators and customers have on file.
Branch footprint
12 offices in 2 states, $935.4M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 10 | $726.7M |
| 1 | $135.7M | |
| 1 | $73.0M |
Fargo, ND-MN
1% of bank deposits, #16 of 32, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bell Bank | 29.1% |
| First International Bank & Trust | 11.9% |
| Gate City Bank | 9.3% |
| Choice Financial Group | 7.9% |
| U.S. Bank National Association | 7.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fargo, ND-MN, Bank Forward holds 1% of bank deposits, #16 of 32, with 1 office.
122 offices of 44 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 32 institutions shown. $12.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2018 to 2026
June 2026: 1% share, 1 office, #16 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2018 to 2026.
Credit unions, reported separately
32 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.