Bank Comparison
Fortifi Bank vs American Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.55% | — |
| Tier 1 Capital Ratio | 14.55% | — |
| Total Capital Ratio | 15.79% | — |
| Tier 1 Leverage Ratio | 12.48% | 10.77% |
| Equity / Assets | 12.12% | 10.56% |
Profitability
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 1.80% |
| Return on Equity (ROE) | 13.33% | 16.72% |
| Net Interest Margin (NIM) | 4.19% | 4.86% |
| Yield on Earning Assets | 6.18% | 8.08% |
| Cost of Funds | 2.19% | 3.39% |
Asset quality
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| Texas Ratio | 13.99% | 1.75% |
| Non-Performing Loan Ratio | 2.27% | 0.26% |
| Non-Performing Asset Ratio | 1.84% | 0.19% |
| Net Charge-Off Ratio | 0.00% | 1.18% |
| ACL / Loans | 1.26% | 1.33% |
Balance sheet
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| Total Assets | $722,966K | $722,733K |
| Total Deposits | $583,932K | $611,481K |
| Total Loans | $585,779K | $549,126K |
| Total Equity | $87,643K | $76,349K |
| Net Income (quarter) | $2,925K | $3,126K |
Liquidity & funding
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.32% | 89.80% |
| Core Deposit Ratio | 94.37% | 81.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fortifi Bank | American Bank, N.A. |
|---|---|---|
| Headquarters City | BERLIN | DALLAS |
| Headquarters State | WI | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 16320 |
| Regulator | FDIC | OCC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 103 | 54 |
| Established | Jan. 1, 1876, midnight | May 2, 1974, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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