BlastPoint's Banking Scorecard

Fortress Bank

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

Peoria, IL

10 branches across IL · IA

2664 banks in the $100M-$1B peer group nationally 211 in IL

Fortress Bank has 1 strength but faces 5 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 16.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 45.1% in tier
- Loan-to-Deposit Ratio 23.89% above tier average
- ROA 0.44% below tier average
- Net Interest Margin 0.44% below tier average
- Efficiency Ratio 14.97% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$853.3M +6.1% YoY +1.7% QoQ	+$467.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 5.8% in tier
Total Loans ?	$680.4M +5.1% YoY +5.4% QoQ	+$424.7M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 3.2% in tier
Total Deposits ?	$676.8M +2.9% YoY -3.3% QoQ	+$348.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 8.4% in tier
Return on Assets ?	0.83% +88.3% YoY +14.3% QoQ	-0.44%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	3.49% +6.6% YoY -1.6% QoQ	-0.44%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	80.26% -1.2% YoY -0.3% QoQ	+14.97%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	1.68% +50.5% YoY +6.8% QoQ	+0.79%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	100.53% +2.2% YoY +9.0% QoQ	+23.89%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ?	16.51% +6.1% YoY +14.4% QoQ	-5.51%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	1.34% +47.8% YoY +10.7% QoQ	+0.70%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 13.7% in tier
Tier 1 Capital Ratio ?	10.63% +2.4% YoY -3.5% QoQ	-5.20%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.96% +13.0% YoY -71.8% QoQ	+0.68%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 1.8% in tier

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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

#110 of 666 • Top 16.4% 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: 0.96%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.83%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#440 of 973 • Bottom 45.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.96%

Peer Median: 0.28%

#48 of 2664 Top 1.8% in $100M-$1B

Total Loans

size

Value: $680.38M

Peer Median: $255.72M

#86 of 2664 Top 3.2% in $100M-$1B

155

Total Assets

size

Value: $853.33M

Peer Median: $386.08M

#155 of 2664 Top 5.8% in $100M-$1B

225

Total Deposits

size

Value: $676.79M

Peer Median: $327.97M

#225 of 2664 Top 8.4% in $100M-$1B

Top Weaknesses (5 metrics)

2454

Loan-to-Deposit Ratio

liquidity

Value: 100.53%

Peer Median: 76.64%

#2454 of 2664 Bottom 7.9% in $100M-$1B

2300

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.64%

#2300 of 2664 Bottom 13.7% in $100M-$1B

2259

Efficiency Ratio

profitability

Value: 80.26%

Peer Median: 65.29%

#2259 of 2664 Bottom 15.2% in $100M-$1B

2235

Delinquency Rate

credit_quality

Value: 1.68%

Peer Median: 0.89%

#2235 of 2654 Bottom 15.8% in $100M-$1B

2183

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 15.83%

#2183 of 2664 Bottom 18.1% in $100M-$1B