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Fortis Bank

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

Designations: ✓ Community bank

Denver, CO

3 branches across UT · CO

883 banks in the $1B-$10B peer group nationally 7 in CO
View $1B-$10B leaderboard (CO) →

Fortis Bank has 2 strengths but faces 8 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 20.09% above tier average
  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.5% in tier
  • - Deposit Outflow: Bottom 0.8% in tier
  • - Credit Quality Pressure: Bottom 21.5% in tier
  • - Liquidity Strain: Bottom 23.3% in tier
  • - Capital Constraint: Bottom 48.6% in tier
  • - ROA 0.60% below tier average
  • - Net Interest Margin 0.23% below tier average
  • - Efficiency Ratio 13.13% above tier average
Get updates when Fortis Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $1.3B
+2.7% YoY -1.1% QoQ
-$1.5B $2.8B
-0.1% YoY
$902.4M
+10.4% YoY
$6.2B
+9.0% YoY
26%
Total Loans ? $1.1B
+0.9% YoY -0.6% QoQ
-$903.3M $2.0B
+0.6% YoY
$622.8M
+11.0% YoY
$3.2B
+10.7% YoY
34%
Total Deposits ? $1.1B
-10.1% YoY -0.5% QoQ
-$1.3B $2.3B
-0.3% YoY
$761.8M
+9.5% YoY
$4.8B
+8.0% YoY
21%
Return on Assets ? 0.76%
+76.8% YoY +26.5% QoQ
-0.60% 1.37%
+19.6% YoY
0.93%
+13.2% YoY
1.24%
+13.1% YoY
19%
Net Interest Margin ? 3.59%
+15.2% YoY +5.7% QoQ
-0.23% 3.82%
+6.9% YoY
4.00%
+4.6% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 74.18%
-10.6% YoY -3.9% QoQ
+13.13% 61.05%
-4.6% YoY
74.16%
-3.6% YoY
66.84%
-3.8% YoY
16%
Delinquency Rate ? 0.40%
+15.2% YoY +38.2% QoQ
-0.48% 0.89%
+14.1% YoY
0.67%
-9.0% YoY
0.95%
+18.8% YoY
61%
Loan-to-Deposit Ratio ? 98.74%
+12.2% YoY -0.1% QoQ
+14.54% 84.20%
+0.3% YoY
78.28%
+0.7% YoY
76.69%
+0.9% YoY
16%
Non-Interest-Bearing Deposit Share ? 41.37%
-11.7% YoY -8.0% QoQ
+20.09% 21.28%
-2.5% YoY
23.78%
-3.2% YoY
22.01%
-1.1% YoY
Top 4.2% in tier
Nonperforming Asset Ratio ? 0.32%
+13.1% YoY +38.8% QoQ
-0.36% 0.67%
+15.6% YoY
0.50%
-1.5% YoY
0.66%
+19.3% YoY
61%
Tier 1 Capital Ratio ? 11.68%
+3.9% YoY +1.7% QoQ
-3.49% 15.17%
+2.0% YoY
21.83%
+3.3% YoY
17.06%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.10%
+38.7% YoY -69.8% QoQ
-0.16% 0.26%
+1.6% YoY
0.26%
+12.1% YoY
0.32%
+4.0% YoY
31%

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 (5)

Credit Risk Growth

risk
#3 of 419 • Bottom 0.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

419 of 419 Mid-Market banks match · 1462 nationally
→ Stable -11 banks QoQ

Deposit Outflow

decline
#2 of 130 • Bottom 0.8% in tier

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

130 of 130 Mid-Market banks match · 655 nationally
→ Stable -6 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#111 of 512 • Bottom 21.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.89%, National: 0.95%)
better than tier avg
512 of 512 Mid-Market banks match · 1896 nationally
→ Stable +4 banks QoQ

Liquidity Strain

risk
#79 of 334 • Bottom 23.3% 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: 98.74%
(Tier: 84.20%, National: 76.69%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk
#19 of 37 • Bottom 48.6% 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: 98.74%
(Tier: 84.20%, National: 76.69%)
worse than tier avg
Tier 1 Capital Ratio: 11.68%
(Tier: 15.17%, National: 17.06%)
worse than tier avg
37 of 37 Mid-Market banks match · 148 nationally
↑ Growing +20 banks QoQ | QoQ rank declining

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).
Comparing against 883 peers in $1B-$10B

Top Strengths (1 metrics)

38
Non-Interest-Bearing Deposit Share
funding
Value: 41.37%
Peer Median: 21.28%
#38 of 883 Top 4.2% in $1B-$10B

Top Weaknesses (4 metrics)

744
Efficiency Ratio
profitability
Value: 74.18%
Peer Median: 61.05%
#744 of 883 Bottom 15.9% in $1B-$10B
743
Loan-to-Deposit Ratio
liquidity
Value: 98.74%
Peer Median: 84.20%
#743 of 883 Bottom 16.0% in $1B-$10B
718
Return on Assets
profitability
Value: 0.76%
Peer Median: 1.37%
#718 of 883 Bottom 18.8% in $1B-$10B
697
Total Deposits
size
Value: $1.08B
Peer Median: $2.34B
#697 of 883 Bottom 21.2% in $1B-$10B
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