Bank Comparison
Fortifi Bank vs Peoples Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 17
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| CET1 Ratio | 14.55% | — |
| Tier 1 Capital Ratio | 14.55% | — |
| Total Capital Ratio | 15.79% | — |
| Tier 1 Leverage Ratio | 12.48% | 19.56% |
| Equity / Assets | 12.12% | 18.71% |
Profitability
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 2.83% |
| Return on Equity (ROE) | 13.33% | 15.21% |
| Net Interest Margin (NIM) | 4.19% | 4.71% |
| Yield on Earning Assets | 6.18% | 6.42% |
| Cost of Funds | 2.19% | 2.02% |
Asset quality
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| Texas Ratio | 13.99% | 5.94% |
| Non-Performing Loan Ratio | 2.27% | 1.66% |
| Non-Performing Asset Ratio | 1.84% | 1.13% |
| Net Charge-Off Ratio | 0.00% | -0.05% |
| ACL / Loans | 1.26% | 1.16% |
Balance sheet
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| Total Assets | $722,966K | $723,470K |
| Total Deposits | $583,932K | $584,735K |
| Total Loans | $585,779K | $492,707K |
| Total Equity | $87,643K | $135,329K |
| Net Income (quarter) | $2,925K | $5,077K |
Liquidity & funding
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.32% | 84.26% |
| Core Deposit Ratio | 94.37% | 86.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fortifi Bank | Peoples Community Bank |
|---|---|---|
| Headquarters City | BERLIN | GREENVILLE |
| Headquarters State | WI | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 16 |
| Employees (FTE) | 103 | 121 |
| Established | Jan. 1, 1876, midnight | Jan. 3, 1977, 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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