BlastPoint's Banking Scorecard
Fortis Bank
Community
Specialty: Commercial
CO
FDIC cert 34401
Denver, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Fortis Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.95% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43% in Community
- - Capital Constraint: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+4.9% YoY
+1.8% QoQ
|
-$27.0M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$1.1B
+4.8% YoY
+1.8% QoQ
|
+$94.1M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.1B
-7.3% YoY
-7.8% QoQ
|
-$82.3M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.60%
+13.8% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.40%
+42.3% YoY
+1.5% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
77.17%
-22.5% YoY
-3.5% QoQ
|
+14.54% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.29%
-28.8% YoY
-8.9% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
98.83%
+13.0% YoY
+10.4% QoQ
|
+15.77% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.99%
+20.0% YoY
-2.9% QoQ
|
+23.95% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-28.8% YoY
-8.9% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.48%
+0.2% YoY
+0.7% QoQ
|
+1.23% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.32%
+18.6% YoY
+32.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
44.99%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Liquidity Strain
risk
#222 of 513 · Bottom 43% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.83%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Constraint
risk
#24 of 47 · Bottom 50% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
98.83%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.48%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 44.99% · Tier avg: 21.05%
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.83% · Tier avg: 83.06%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.48% · Tier avg: 10.24%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 77.17% · Tier avg: 62.63%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 77.17% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.48% · Tier avg: 10.24%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.83% · Tier avg: 83.06%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 44.99% · Tier avg: 21.05%