Fortis Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.79 percentage points higher than in Q1 2026, at 269.34%. Fortis Bank ranks 15th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 95.26% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Fortis Bank sits 7.06 points higher, at 95.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.06B |
| Net loans and leases | $1.05B |
| Loans held for sale | $0 |
| Loans to total assets | 78.33% |
| Loan-to-deposit ratio | 95.26% |
| Net loans to equity capital | 9.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.25% |
| Multifamily (5+ residential) | 4.35% |
| Commercial and industrial | 9.45% |
| Consumer | 2.30% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.34% |
| Construction concentration (Tier 1 capital + allowance) | 24.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.23% |
| Interest income on loans | $13.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.01B | $1.07B | 31.15% | 9.53% | 4.16% |
| Q4 2023 | $1.01B | $1.00B | 34.10% | 9.14% | 4.08% |
| Q1 2024 | $968.9M | $1.12B | 35.81% | 7.34% | 3.96% |
| Q2 2024 | $969.3M | $1.01B | 36.15% | 7.67% | 3.63% |
| Q3 2024 | $1.02B | $1.18B | 38.58% | 7.98% | 3.28% |
| Q4 2024 | $1.03B | $1.17B | 39.52% | 9.30% | 3.14% |
| Q1 2025 | $1.06B | $1.20B | 42.41% | 10.69% | 2.73% |
| Q2 2025 | $1.02B | $1.15B | 41.98% | 9.81% | 2.69% |
| Q3 2025 | $1.06B | $1.17B | 45.22% | 9.47% | 2.59% |
| Q4 2025 | $1.08B | $1.08B | 47.11% | 9.52% | 2.38% |
| Q1 2026 | $1.07B | $1.08B | 47.98% | 9.38% | 2.38% |
| Q2 2026 | $1.06B | $1.11B | 48.25% | 9.45% | 2.30% |
Fortis Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortis Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fortis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34401) · FFIEC NIC profile (RSSD 2515320)