BlastPoint's Banking Scorecard
Fortifi Bank
Berlin, WI
10 branches across WI
Fortifi Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 11.68% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.41% above tier average
- - Loan-to-Deposit Ratio 22.42% above tier average
- - Nonperforming Asset Ratio 1.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$723.0M
+6.5% YoY
-2.9% QoQ
|
+$336.9M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 11.4% in tier |
| Total Loans ? |
$578.4M
+13.7% YoY
+3.4% QoQ
|
+$322.7M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 6.8% in tier |
| Total Deposits ? |
$583.9M
+10.2% YoY
-3.5% QoQ
|
+$256.0M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 13.5% in tier |
| Return on Assets ? |
1.59%
-2.0% YoY
-3.5% QoQ
|
+0.33% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.25%
-2.3% YoY
-3.7% QoQ
|
+0.32% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
53.61%
+3.7% YoY
+3.8% QoQ
|
-11.68% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
2.30%
+94.4% YoY
+103.6% QoQ
|
+1.41% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.7% in tier |
| Loan-to-Deposit Ratio ? |
99.06%
+3.2% YoY
+7.2% QoQ
|
+22.42% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.75%
-7.7% YoY
+3.6% QoQ
|
-0.27% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.84%
+107.4% YoY
+116.9% QoQ
|
+1.20% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.8% in tier |
| Tier 1 Capital Ratio ? |
14.55%
-5.5% YoY
-2.3% QoQ
|
-1.28% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.14%
-1.9% YoY
-73.4% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
69% |
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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.
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Metric Rankings
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