BlastPoint's Banking Scorecard
Fortress Bank
Community
Specialty: Commercial
IL
FDIC cert 9632
Peoria, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Fortress Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9% in Community
- - Efficiency Drag: Bottom 30% in Community
- - Credit Risk Growth: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$839.3M
+5.4% YoY
+3.2% QoQ
|
-$552.1M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$645.7M
+1.4% YoY
+0.4% QoQ
|
-$329.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$699.9M
+6.5% YoY
+6.3% QoQ
|
-$464.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.73%
+20.4% YoY
+1.4% QoQ
|
-0.44% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.54%
+13.0% YoY
+2.9% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
80.51%
+12.7% YoY
+0.3% QoQ
|
+17.88% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.57%
+85.9% YoY
-20.2% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
92.25%
-4.7% YoY
-5.6% QoQ
|
+9.19% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
14.44%
-7.4% YoY
+6.7% QoQ
|
-6.60% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.21%
+79.0% YoY
-22.6% QoQ
|
+0.71% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
11.01%
+4.6% YoY
+1.2% QoQ
|
+0.77% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
3.41%
+176.0% YoY
+27.0% QoQ
|
+2.67% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#102 of 371 · Top 27% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.41%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.73%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Liquidity Strain
risk
#47 of 513 · Bottom 9% 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:
92.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#46 of 152 · Bottom 30% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.51%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#303 of 642 · Bottom 47% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
98
98th pctile
Non-Interest Income / Assets
Current: 3.41% · Tier avg: 0.74%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.25% · Tier avg: 83.06%
45
45th pctile
Total Loans
Current: $645.7M · Tier avg: $975.5M
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
38
38th pctile
Total Assets
Current: $839.3M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $699.9M · Tier avg: $1.2B
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.44% · Tier avg: 21.05%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
10
10th pctile
Efficiency Ratio
Current: 80.51% · Tier avg: 62.63%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 80.51% · Tier avg: 62.63%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.21% · Tier avg: 0.50%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.44% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.01% · Tier avg: 10.24%
38
38th pctile
Total Deposits
Current: $699.9M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $839.3M · Tier avg: $1.4B
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
45
45th pctile
Total Loans
Current: $645.7M · Tier avg: $975.5M
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.25% · Tier avg: 83.06%
98
98th pctile
Non-Interest Income / Assets
Current: 3.41% · Tier avg: 0.74%