FORTIFI BANK

BERLIN, WI | Medium | Est. Jan. 1, 1876, midnight | FDIC #5286 | RSSD #111942 | FDIC
Latest Report: 2025-12-31

FORTIFI BANK is amn medium FDIC-insured commercial bank headquartered in BERLIN, WI, established in Jan. 1, 1876, midnight. As of 2025-12-31, the bank reported total assets of $745M and total deposits of $605M. Profitability stands at 1.66% ROA and 13.70% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 14.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.11% and a Texas Ratio of 6.66%. FDIC Certificate #5286.

Assets

$745M

Deposits

$605M

Loans

$566M

Equity

$88M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 13.70%
Net Interest Margin (NIM) 4.51%
Yield on Assets 6.72%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 1.11%
Net Charge-Off Ratio 0.05%
Texas Ratio 6.66%
NPA Ratio 0.85%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 14.90%
Tier 1 Capital 14.90%
Total Capital Ratio 16.11%
Leverage Ratio 12.45%
Loan-to-Deposit 93.53%

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