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FORTE BANK

$100M-$1B Specialty: Commercial WI FDIC cert 5297

Hartford, WI

4 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 -1.5% year over year ($336.3M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.11%.
  • Efficiency ratio 65.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.13% 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) →

FORTE BANK has 1 strength but faces 7 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

  • + Credit Quality Leader: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.4% in tier
  • - Credit Risk Growth: Bottom 18.7% in tier
  • - Liquidity Strain: Bottom 49.2% in tier
  • - Deposit Outflow: Bottom 49.5% in tier
  • - ROA 0.22% below tier average
  • - Net Interest Margin 0.05% below tier average
  • - Efficiency Ratio 1.03% above tier average
Get updates when FORTE 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 ? $404.5M
+1.2% YoY -0.7% QoQ
+$17.9M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $333.3M
+5.8% YoY -0.6% QoQ
+$75.0M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $336.3M
-1.5% YoY -2.9% QoQ
+$9.5M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.11%
+41.6% YoY +8.3% QoQ
-0.22% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.93%
+19.8% YoY +5.4% QoQ
-0.05% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 65.51%
-9.9% YoY -1.5% QoQ
+1.03% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.06%
+380.2% YoY +271.0% QoQ
-0.86% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 99.13%
+7.4% YoY +2.3% QoQ
+21.18% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 11.3% in tier
Non-Interest-Bearing Deposit Share ? 20.51%
-1.6% YoY +13.6% QoQ
-1.52% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.05%
+402.1% YoY +271.3% QoQ
-0.62% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 12.96%
+2.6% YoY +2.3% QoQ
-2.95% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.23%
-1.4% YoY +108.5% QoQ
-0.34% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
58%

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 20.5%
-0.3pp YoY
+2.5pp QoQ
 -1.6pp 22.1% 18.9% 22.2% 47%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 7.2%
-0.1pp YoY
-0.1pp QoQ
 -4.4pp 11.6% 10.5% 12.5% 34%
CRE 65.1%
0.0pp YoY
0.0pp QoQ
 +25.6pp 39.5% 46.4% 41.4% 90%
1-4 Family 27.1%
+0.3pp YoY
+0.2pp QoQ
 -5.5pp 32.6% 32.3% 31.3% 45%
Consumer 0.3%
-0.1pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 2.6% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 13.0%
+0.3pp YoY
+0.3pp QoQ
 -5.9pp 18.8% 15.5% 19.7% 28%
Leverage Ratio 10.6%
+0.5pp YoY
+0.5pp QoQ
 -1.6pp 12.2% 12.6% 12.6% 42%
Total Capital Ratio 14.1%
+0.3pp YoY
+0.3pp QoQ
 -5.8pp 19.9% 16.6% 20.8% 27%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 59
+2 (+3.5%) YoY
+6 (+11.3%) QoQ
 +0 58 134 482 62%
Assets per Employee ($) $6.9M
-2.2% YoY
-10.8% QoQ
 -$663K $7.5M $8.2M $8.8M 49%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 13%
Allowance Coverage 18.76x
-79.4% YoY
-72.4% QoQ
 -5.40x 24.15x 56.89x 20.23x 88%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 10.9%
+2.9pp YoY
+0.6pp QoQ
 -1.3pp 12.2% 11.8% 11.6% 42%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $2.3M
+45.4% YoY
— QoQ
 -$263K $2.6M $7.9M $40.4M 58%

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 (1)

Credit Quality Leader

growth
#21 of 659 • Top 3.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk
#119 of 1256 • Bottom 9.4% in tier

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

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#176 of 936 • Bottom 18.7% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#341 of 691 • Bottom 49.2% 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: 99.13%
(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

Deposit Outflow

decline
#266 of 535 • Bottom 49.5% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

557
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#557 of 2643 Top 21.0% in $100M-$1B
571
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#571 of 2633 Top 21.6% in $100M-$1B

Top Weaknesses (1 metrics)

2345
Loan-to-Deposit Ratio
liquidity
Value: 99.13%
Peer Median: 77.95%
#2345 of 2643 Bottom 11.3% in $100M-$1B
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