BlastPoint's Banking Scorecard

Fortress Bank

$100M-$1B Specialty: Commercial IL FDIC cert 9632

Peoria, IL

10 branches across IL · IA

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 211 in IL.
Deposits +5.6% year over year ($686.5M on the books).
Delinquency rate 2.02%.
Return on assets 0.85%.
Efficiency ratio 79.80% vs a 64.48% peer average.
Loan-to-deposit ratio 99.41% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Fortress Bank has 1 strength 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

+ Revenue Diversifier: Top 16.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.47% below tier average
- Net Interest Margin 0.72% below tier average
- Efficiency Ratio 15.32% above tier average
- Delinquency Rate 1.10% above tier average

Get updates when Fortress Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$897.2M +10.2% YoY +5.1% QoQ	+$510.6M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 3.7% in tier
Total Loans ?	$682.4M +6.1% YoY +0.3% QoQ	+$424.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 3.1% in tier
Total Deposits ?	$686.5M +5.6% YoY +1.4% QoQ	+$359.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.7% in tier
Return on Assets ?	0.85% +16.2% YoY +3.0% QoQ	-0.47%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	3.27% +3.8% YoY -6.2% QoQ	-0.72%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	79.80% -0.1% YoY -0.6% QoQ	+15.32%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 14.0% in tier
Delinquency Rate ?	2.02% -24.6% YoY +19.9% QoQ	+1.10%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 12.8% in tier
Loan-to-Deposit Ratio ?	99.41% +0.5% YoY -1.1% QoQ	+21.46%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 10.8% in tier
Non-Interest-Bearing Deposit Share ?	15.51% +7.2% YoY -6.1% QoQ	-6.52%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	1.58% -25.1% YoY +18.1% QoQ	+0.91%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 11.0% in tier
Tier 1 Capital Ratio ?	10.80% +1.7% YoY +1.6% QoQ	-5.11%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	1.98% +6.3% YoY +106.7% QoQ	+1.42%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 1.7% in tier

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	15.5% +1.0pp YoY -1.0pp QoQ	-6.6pp	22.1%	20.1%	22.2%	26%
Brokered Deposits	0.6% -5.9pp YoY -1.5pp QoQ	-7.3pp	7.9%	8.0%	8.5%	13%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	26.9% +1.2pp YoY +1.0pp QoQ	+15.3pp	11.6%	14.7%	12.5%	95%
CRE	38.5% +0.4pp YoY -0.5pp QoQ	-1.0pp	39.5%	37.9%	41.4%	50%
1-4 Family	21.4% -2.0pp YoY -0.9pp QoQ	-11.2pp	32.6%	28.3%	31.3%	33%
Consumer	0.8% 0.0pp YoY 0.0pp QoQ	-3.3pp	4.1%	5.4%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	9.7% +0.2pp YoY +0.2pp QoQ	-9.2pp	18.8%	19.9%	19.7%	1%
Leverage Ratio	9.1% 0.0pp YoY -0.2pp QoQ	-3.0pp	12.2%	12.2%	12.6%	14%
Total Capital Ratio	12.0% +0.2pp YoY +0.2pp QoQ	-7.9pp	19.9%	20.9%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	224 +2 (+0.9%) YoY -1 (-0.4%) QoQ	+165	58	228	482	99%
Assets per Employee ($)	$4.0M +9.2% YoY +5.6% QoQ	-$3.5M	$7.5M	$8.3M	$8.8M	4%
Branch Count	10 0 YoY 0 QoQ	+5	4	10	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.6pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	44%
Nonaccrual	1.9% -0.1pp YoY +0.4pp QoQ	+1.0pp	0.9%	1.1%	1.0%	87%
Allowance Coverage	0.63x +12.9% YoY -30.4% QoQ	-23.52x	24.15x	5.62x	20.23x	15%
Net Charge-off Rate (YTD)	0.7% +0.7pp YoY +0.7pp QoQ	+0.6pp	0.1%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.8% +1.2pp YoY +0.4pp QoQ	-3.4pp	12.2%	10.5%	11.6%	30%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.6%	1.7%	88%
Net Income ($, YTD)	$3.7M +24.7% YoY — QoQ	+$1.1M	$2.6M	$11.7M	$40.4M	77%

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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 (1)

Revenue Diversifier

growth

#109 of 661 • Top 16.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.98%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.85%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.98%

Peer Median: 0.57%

#46 of 2643 Top 1.7% in $100M-$1B

Total Loans

size

Value: $682.40M

Peer Median: $258.35M

#83 of 2643 Top 3.1% in $100M-$1B

100

Total Assets

size

Value: $897.17M

Peer Median: $386.57M

#100 of 2643 Top 3.7% in $100M-$1B

204

Total Deposits

size

Value: $686.47M

Peer Median: $326.73M

#204 of 2643 Top 7.7% in $100M-$1B

Top Weaknesses (6 metrics)

2358

Loan-to-Deposit Ratio

liquidity

Value: 99.41%

Peer Median: 77.95%

#2358 of 2643 Bottom 10.8% in $100M-$1B

2353

Nonperforming Asset Ratio

credit_quality

Value: 1.58%

Peer Median: 0.67%

#2353 of 2643 Bottom 11.0% in $100M-$1B

2296

Delinquency Rate

credit_quality

Value: 2.02%

Peer Median: 0.92%

#2296 of 2633 Bottom 12.8% in $100M-$1B

2275

Efficiency Ratio

profitability

Value: 79.80%

Peer Median: 64.48%

#2275 of 2643 Bottom 14.0% in $100M-$1B

2159

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.99%

#2159 of 2643 Bottom 18.4% in $100M-$1B

2102

Tier 1 Capital Ratio

capital

Value: 10.80%

Peer Median: 15.91%

#2102 of 2643 Bottom 20.5% in $100M-$1B