BlastPoint's Banking Scorecard

Fortifi Bank

$100M-$1B Specialty: Commercial WI FDIC cert 5286

Berlin, WI

10 branches across WI

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits +13.8% year over year ($608.8M on the books).
Delinquency rate 2.44%.
Return on assets 1.40%.
Efficiency ratio 55.40% vs a 64.48% peer average.
Loan-to-deposit ratio 90.43% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Fortifi Bank has 3 strengths but faces 4 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

+ ROA 0.08% above tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 9.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 16.8% in tier
- Margin Compression: Bottom 66.8% in tier
- Delinquency Rate 1.52% above tier average
- Nonperforming Asset Ratio 1.12% above tier average

Get updates when Fortifi Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$750.4M +11.4% YoY +3.8% QoQ	+$363.8M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	Top 10.2% in tier
Total Loans ?	$550.5M +4.8% YoY -4.8% QoQ	+$292.2M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 8.0% in tier
Total Deposits ?	$608.8M +13.8% YoY +4.3% QoQ	+$282.1M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	Top 11.5% in tier
Return on Assets ?	1.40% -12.8% YoY -12.0% QoQ	+0.08%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	4.28% -3.3% YoY +0.8% QoQ	+0.30%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	55.40% +6.5% YoY +3.3% QoQ	-9.08%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	2.44% +146.3% YoY +6.1% QoQ	+1.52%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 9.2% in tier
Loan-to-Deposit Ratio ?	90.43% -7.9% YoY -8.7% QoQ	+12.48%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	22.32% -4.6% YoY +2.6% QoQ	+0.29%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	1.79% +131.6% YoY -2.7% QoQ	+1.12%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 9.2% in tier
Tier 1 Capital Ratio ?	15.36% -0.3% YoY +5.6% QoQ	-0.54%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.26% -4.2% YoY +89.1% QoQ	-0.31%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	65%

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	22.3% -1.1pp YoY +0.6pp QoQ	+0.2pp	22.1%	18.9%	22.2%	56%
Brokered Deposits	9.2% +2.2pp YoY +1.3pp QoQ	+1.4pp	7.9%	9.2%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	18.4% +4.9pp YoY +0.3pp QoQ	+6.8pp	11.6%	10.5%	12.5%	85%
CRE	57.5% -3.6pp YoY -1.5pp QoQ	+18.0pp	39.5%	46.4%	41.4%	82%
1-4 Family	22.2% -0.1pp YoY +1.2pp QoQ	-10.5pp	32.6%	32.3%	31.3%	35%
Consumer	1.3% 0.0pp YoY +0.3pp QoQ	-2.8pp	4.1%	2.6%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	15.4% 0.0pp YoY +0.8pp QoQ	-3.5pp	18.8%	15.5%	19.7%	53%
Leverage Ratio	12.6% -0.4pp YoY +0.1pp QoQ	+0.4pp	12.2%	12.6%	12.6%	71%
Total Capital Ratio	16.6% 0.0pp YoY +0.8pp QoQ	-3.3pp	19.9%	16.6%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	104 +12 (+13.0%) YoY +1 (+1.0%) QoQ	+45	58	134	482	88%
Assets per Employee ($)	$7.2M -1.4% YoY +2.8% QoQ	-$303K	$7.5M	$8.2M	$8.8M	56%
Branch Count	10 0 YoY 0 QoQ	+5	4	9	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.3pp	0.3%	0.4%	0.4%	40%
Nonaccrual	2.4% +1.4pp YoY +0.1pp QoQ	+1.4pp	0.9%	0.9%	1.0%	91%
Allowance Coverage	0.61x -52.0% YoY +11.0% QoQ	-23.54x	24.15x	56.89x	20.23x	14%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	11.7% -1.6pp YoY -1.6pp QoQ	-0.5pp	12.2%	11.8%	11.6%	48%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	72%
Net Income ($, YTD)	$5.2M -4.3% YoY — QoQ	+$2.6M	$2.6M	$7.9M	$40.4M	88%

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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 (2)

Liquidity Strain

risk

#117 of 691 • Bottom 16.8% 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: 90.43%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline

#206 of 307 • Bottom 66.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.40%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

212

Total Loans

size

Value: $550.53M

Peer Median: $258.35M

#212 of 2643 Top 8.0% in $100M-$1B

270

Total Assets

size

Value: $750.38M

Peer Median: $386.57M

#270 of 2643 Top 10.2% in $100M-$1B

306

Total Deposits

size

Value: $608.80M

Peer Median: $326.73M

#306 of 2643 Top 11.5% in $100M-$1B

Top Weaknesses (2 metrics)

2393

Delinquency Rate

credit_quality

Value: 2.44%

Peer Median: 0.92%

#2393 of 2633 Bottom 9.2% in $100M-$1B

2401

Nonperforming Asset Ratio

credit_quality

Value: 1.79%

Peer Median: 0.67%

#2401 of 2643 Bottom 9.2% in $100M-$1B