Fortis Bank
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Data as of · sourced from FFIEC call reports. How we update
Fortis Bank is an FDIC-insured commercial bank headquartered in Denver, CO, established in 1997 (FDIC certificate 34401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.35B, up 6.6% from Q2 2025, the 8th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.04% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34401
- Headquarters
- Denver, CO
- Established
- 1997
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 12.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 107006428
- Latest call report
- Q2 2026, FFIEC 051 · Fortis Bank call report
- Holding company
- FORTIS BANCORP
- Asset rank in state
- 8th of 63 in Colorado
Fortis Bank spends more to run itself than most banks of its size. It reported $1.4 billion in assets at June 30, 2026, up 6.6% from a year earlier. It spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also lost 3.3% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 3.6% and deposits fell 3.3%. Its $274 million non-owner-occupied commercial real estate book is now fully current, after 1.14% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it funds 8.96% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Fortis Bank reported a CET1 capital ratio of 12.04%, a return on assets of 0.66%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 1.95%. The figures come from its call report filed with the FFIEC.
Fortis Bank ranks as the 8th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $1.35B, loans fell 1.2% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.4% of total loans, followed by non-owner-occupied commercial real estate loans at 25.9%. Its 2 offices in the FDIC Summary of Deposits are in Denver, CO and Cottonwood Heights, UT; its Denver office books 93% of its branch deposits. Judged on its Q2 2026 call report, Fortis Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7001 E Belleview Ave, Denver, CO 80237
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 13, 1997
- Former names
- Fortis Private Bank (2016-2023)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $1.11B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $160K
- Average total assets
- $1.35B
- Average total loans
- $1.06B
- Average interest-bearing deposits
- $629.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 13, 1997
- FDIC Cert
- 34401
- Fed RSSD
- 2515320
- SEC CIK
- 1401831 → filed by FORTIS BANCORP
- Website
- www.fortisbankus.com →
- Parent Holding Company
- FORTIS BANCORP (RSSD 3559198)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Fortis Bank's total assets moved between a low of $1.24B (Q2 2024) and a high of $1.36B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.27B; $1.24B total liabilities against $1.16B.
$1.05B net loans and leases against $1.01B; $1.11B total deposits against $1.15B.
$177.4M securities against $171.0M; $69.3M cash and balances due against $33.3M.
$16.0M total interest income against $15.9M; $5.8M total interest expense against $5.3M.
$10.2M net interest income against $10.6M.
$1.3M total noninterest income against $1.2M; $9.0M total noninterest expense against $9.3M.
-$326K provision for credit losses against -$250K.
$2.2M net income against $2.1M.
0.66% return on assets against 0.62%; 3.15% net interest margin against 3.34%.
12.04% CET1 capital ratio against 11.83%; 8.96% tier 1 leverage ratio against 8.56%.
Inside the full Fortis Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Fortis Bank rankings
Its closest position to the top of a national ranking is 807 of 4,196, for total assets; its furthest is 3,157 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.16% (Q3 2024) to 0.81% (Q4 2025) and its net interest margin ran from 2.29% (Q3 2024) to 3.52% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.04% | 0.66% | 0.49% | 1.95% | 3.15% |
| Q1 2026 | 11.68% | 0.76% | 0.40% | 1.67% | 3.52% |
| Q4 2025 | 11.48% | 0.81% | 0.29% | 0.50% | 3.50% |
| Q3 2025 | 11.40% | 0.52% | 0.32% | 0.48% | 3.44% |
| Q2 2025 | 11.83% | 0.62% | 0.58% | 2.76% | 3.34% |
| Q1 2025 | 11.24% | 0.43% | 0.35% | 0.17% | 3.09% |
| Q4 2024 | 11.46% | 0.26% | 0.41% | 1.75% | 2.92% |
| Q3 2024 | 11.72% | -0.16% | 0.50% | 1.73% | 2.29% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fortis Bank (main office) | Denver , CO | 80237 | $1.03B |
| Fortis Private Bank Branch | Cottonwood Heights , UT | 84047 | $79.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in CO, rank 23 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12 applications, 9 loans originated, $15.6M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 15 loans, $23.1M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fortis Bank
What are Fortis Bank's total assets?
As of the Q2 2026 filing, Fortis Bank reported total assets of $1.35 billion in its FFIEC call report.
Where is Fortis Bank headquartered?
It is headquartered in Denver, CO, United States.
When was Fortis Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Fortis Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fortis Bank?
Fortis Bank's primary federal regulator is the FDIC.
What is Fortis Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.04% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fortis Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fortis Bank's Texas Ratio?
Its Texas Ratio is 1.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fortis Bank previously called?
The charter now named Fortis Bank has also operated as Fortis Private Bank (2016-2023), per FDIC structure-change records.
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