BlastPoint's Banking Scorecard
Fortifi Bank
Community
Specialty: Commercial
WI
FDIC cert 5286
Berlin, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Fortifi Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$744.8M
+11.2% YoY
+6.3% QoQ
|
-$646.6M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$559.3M
+9.2% YoY
+2.4% QoQ
|
-$416.2M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$605.3M
+12.6% YoY
+7.9% QoQ
|
-$559.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.65%
+9.7% YoY
-0.2% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.41%
+7.1% YoY
-0.7% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
51.64%
-5.2% YoY
+0.3% QoQ
|
-11.00% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.13%
+43.2% YoY
-14.6% QoQ
|
+0.50% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
92.38%
-3.0% YoY
-5.1% QoQ
|
+9.32% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
21.00%
-15.1% YoY
-5.1% QoQ
|
-0.04% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.85%
+40.6% YoY
-17.8% QoQ
|
+0.35% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
14.90%
+2.9% YoY
-2.6% QoQ
|
+4.65% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.51%
-18.0% YoY
+29.2% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#212 of 513 · Bottom 41% 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:
92.38%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.64% · Tier avg: 62.63%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 10.24%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.00% · Tier avg: 21.05%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
38
38th pctile
Total Loans
Current: $559.3M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $744.8M · Tier avg: $1.4B
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.38% · Tier avg: 83.06%
29
29th pctile
Total Deposits
Current: $605.3M · Tier avg: $1.2B
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
Top Weaknesses
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.50%
29
29th pctile
Total Deposits
Current: $605.3M · Tier avg: $1.2B
29
29th pctile
Loan-to-Deposit Ratio
Current: 92.38% · Tier avg: 83.06%
31
31th pctile
Total Assets
Current: $744.8M · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $559.3M · Tier avg: $975.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.00% · Tier avg: 21.05%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 10.24%
81
81th pctile
Efficiency Ratio
Current: 51.64% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%