BlastPoint's Banking Scorecard

Fortis Bank

$1B-$10B Specialty: Commercial CO FDIC cert 34401

Designations: ✓ Community bank

Denver, CO

3 branches across UT · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 7 in CO.
Deposits -3.3% year over year ($1.1B on the books).
Delinquency rate 0.49%.
Return on assets 0.71%.
Efficiency ratio 75.91% vs a 59.73% peer average.
Loan-to-deposit ratio 94.37% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 7 in CO

View $1B-$10B leaderboard (CO) →

Fortis Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 22.03% above tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.4% in tier
- Deposit Outflow: Bottom 37.4% in tier
- Capital Constraint: Bottom 46.9% in tier
- ROA 0.68% below tier average
- Net Interest Margin 0.50% below tier average
- Efficiency Ratio 16.18% above tier average

Get updates when Fortis Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$1.4B +6.6% YoY +0.3% QoQ	-$1.4B	$2.8B -0.6% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$1.0B +3.6% YoY -1.2% QoQ	-$913.2M	$2.0B -0.3% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$1.1B -3.3% YoY +3.4% QoQ	-$1.2B	$2.3B -0.5% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	0.71% +32.7% YoY -6.8% QoQ	-0.68%	1.39% +17.0% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Bottom 14.0% in tier
Net Interest Margin ?	3.37% +2.9% YoY -6.0% QoQ	-0.50%	3.87% +6.2% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	75.91% -6.2% YoY +2.3% QoQ	+16.18%	59.73% -12.6% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Bottom 10.8% in tier
Delinquency Rate ?	0.49% -16.1% YoY +21.2% QoQ	-0.38%	0.87% +11.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	52%
Loan-to-Deposit Ratio ?	94.37% +7.1% YoY -4.4% QoQ	+9.34%	85.04% -0.1% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	43.30% +1.0% YoY +4.7% QoQ	+22.03%	21.27% -1.5% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	Top 3.3% in tier
Nonperforming Asset Ratio ?	0.38% -18.5% YoY +19.4% QoQ	-0.29%	0.67% +11.7% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	12.04% +1.7% YoY +3.1% QoQ	-2.80%	14.84% -0.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.19% +15.2% YoY +98.5% QoQ	-0.33%	0.53% +2.5% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	43.3% +0.4pp YoY +1.9pp QoQ	+21.9pp	21.4%	23.5%	22.2%	97%
Brokered Deposits	11.7% -1.8pp YoY +1.9pp QoQ	+2.3pp	9.5%	7.4%	8.5%	74%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	9.5% -0.4pp YoY 0.0pp QoQ	-4.5pp	14.0%	8.4%	12.5%	42%
CRE	56.1% +4.0pp YoY +0.4pp QoQ	+6.1pp	50.0%	42.8%	41.4%	66%
1-4 Family	31.7% -3.8pp YoY -0.3pp QoQ	+5.3pp	26.4%	33.0%	31.3%	69%
Consumer	2.3% -0.4pp YoY -0.1pp QoQ	-2.4pp	4.7%	3.9%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.2pp YoY +0.4pp QoQ	-3.6pp	15.6%	24.9%	19.7%	24%
Leverage Ratio	9.0% +0.4pp YoY +0.3pp QoQ	-2.3pp	11.3%	12.5%	12.6%	11%
Total Capital Ratio	13.1% +0.2pp YoY +0.3pp QoQ	-3.6pp	16.7%	26.1%	20.8%	24%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	109 +22 (+25.3%) YoY +5 (+4.8%) QoQ	-205	313	107	482	10%
Assets per Employee ($)	$12.4M -14.9% YoY -4.3% QoQ	+$1.9M	$10.5M	$7.8M	$8.8M	80%
Branch Count	3 -1 (-25.0%) YoY 0 QoQ	-17	20	7	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% -0.1pp YoY 0.0pp QoQ	+0.1pp	0.2%	0.7%	0.4%	90%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	23%
Allowance Coverage	1.92x +20.7% YoY -18.5% QoQ	-16.79x	18.71x	12.16x	20.23x	47%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.2pp	0.3%	0.1%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	8.4% +1.8pp YoY -0.7pp QoQ	-4.2pp	12.6%	9.7%	11.6%	22%
Cost of Funds (YTD)	1.7% 0.0pp YoY +0.1pp QoQ	-0.2pp	1.9%	1.7%	1.7%	34%
Net Income ($, YTD)	$4.8M +39.0% YoY — QoQ	-$14.4M	$19.2M	$5.4M	$40.4M	11%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#82 of 361 • Bottom 22.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.37%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#50 of 131 • Bottom 37.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk

#16 of 32 • Bottom 46.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 94.37%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 12.04%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 43.30%

Peer Median: 21.27%

#30 of 885 Top 3.3% in $1B-$10B

Top Weaknesses (3 metrics)

790

Efficiency Ratio

profitability

Value: 75.91%

Peer Median: 59.73%

#790 of 885 Bottom 10.8% in $1B-$10B

762

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.39%

#762 of 885 Bottom 14.0% in $1B-$10B

674

Total Deposits

size

Value: $1.11B

Peer Median: $2.32B

#674 of 885 Bottom 24.0% in $1B-$10B