Fortress Bank
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Data as of · sourced from FFIEC call reports. How we update
Fortress Bank is an FDIC-insured commercial bank headquartered in Peoria, IL, established in 1904 (FDIC certificate 9632), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $897.2M, up 10.2% from Q2 2025, the 56th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 9.66% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9632
- Headquarters
- Peoria, IL
- Established
- 1904
- Total assets, Q2 2026
- $897.2M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 9.66%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 071111986
- Latest call report
- Q2 2026, FFIEC 051 · Fortress Bank call report
- Holding company
- FORTRESS BANCORP, INC.
- Asset rank in state
- 56th of 319 in Illinois
Fortress Bank operates with a thinner capital cushion than most banks of its size. Based in Peoria, Illinois, it had $897 million in assets at June 30, 2026, up 10.2% from a year earlier. It holds common equity equal to 9.66% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also carries problem assets equal to 17.1% of the capital and reserves that would absorb them, 6.5 times the median of 2.6% for banks its size. It has also been growing, with assets up 10.2% in a year.
Its $184 million commercial and industrial book is improving, with 3.67% past due or on nonaccrual, down from 7.47% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.99% of loans, down from 2.63% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Fortress Bank reported a CET1 capital ratio of 9.66%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.99% and a Texas ratio of 17.09%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Fortress Bank is the 56th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.1% to $897.2M, loans were flat and deposits rose 1.4%. Commercial and industrial loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.1%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities across 2 states; its Peoria office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fortress Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9000 N Knoxville Ave, Peoria, IL 61615
- County
- Peoria
- Metro Area
- Peoria, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1904
- Former names
- First State Bank of Illinois (2008-2017); First State Bank of Western Illinois (1989-2008); State Bank of La Harpe (1941-1989)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 224
- Domestic deposits
- $686.5M
- Allowance for credit losses
- $8.7M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $848.1M
- Average total loans
- $641.8M
- Average interest-bearing deposits
- $568.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9632
- Fed RSSD
- 953535
- Website
- www.bankfortress.com →
- Parent Holding Company
- FORTRESS BANCORP, INC. (RSSD 3735152)
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
Fortress Bank's total assets moved between a low of $696.9M (Q3 2023) and a high of $897.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$897.2M total assets against $814.0M; $812.2M total liabilities against $734.2M.
$682.4M net loans and leases against $643.2M; $686.5M total deposits against $650.1M.
$86.2M securities against $75.6M; $61.2M cash and balances due against $38.6M.
$11.1M total interest income against $10.9M; $4.9M total interest expense against $5.2M.
$6.2M net interest income against $5.7M.
$9.6M total noninterest income against $8.4M; $12.5M total noninterest expense against $11.1M.
$750K provision for credit losses against $725K.
$1.9M net income against $2.1M.
0.91% return on assets against 1.03%; 3.25% net interest margin against 3.11%.
9.66% CET1 capital ratio against 9.45%; 9.12% tier 1 leverage ratio against 9.17%.
Inside the full Fortress 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Fortress Bank rankings
Its closest position to the top of a national ranking is 241 of 3,640, for Texas Ratio; its furthest is 2,119 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q1 2025) to 1.03% (Q2 2025) and its net interest margin ran from 3.10% (Q3 2024) to 4.08% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.66% | 0.91% | 1.99% | 17.09% | 3.25% |
| Q1 2026 | 9.50% | 0.85% | 1.66% | 13.58% | 3.61% |
| Q4 2025 | 9.82% | 0.75% | 1.55% | 12.42% | 3.90% |
| Q3 2025 | 9.69% | 0.68% | 1.94% | 15.58% | 4.08% |
| Q2 2025 | 9.45% | 1.03% | 2.63% | 21.81% | 3.11% |
| Q1 2025 | 9.20% | 0.45% | 1.10% | 9.60% | 3.32% |
| Q4 2024 | 9.31% | 0.58% | 0.84% | 7.31% | 3.23% |
| Q3 2024 | 9.38% | 0.65% | 0.91% | 8.02% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Fortress Bank (main office) | Peoria , IL | 61615 | $179.6M |
| Carthage Branch | Carthage , IL | 62321 | $136.1M |
| Davenport Branch | Davenport , IA | 52807 | $111.2M |
| La Harpe Branch | La Harpe , IL | 61450 | $80.8M |
| Macomb Branch | Macomb , IL | 61455 | $71.7M |
| Monmouth Branch | Monmouth , IL | 61462 | $41.9M |
| 1035 Broadway Branch | Hamilton , IL | 62341 | $38.3M |
| Blandinsville Branch | Blandinsville , IL | 61420 | $26.9M |
| Colusa Branch | Niota , IL | 62358 | $0 |
| Carthage Drive-Up Facility | Carthage , IL | 62321 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 11, 2015 | Structure Change | Acquired Kenney Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2008 | Structure Change | Acquired State Bank of Colusa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1990 | Structure Change | Acquired Gem City Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 97 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 110 applications, 42 loans originated, $12.2M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $5.3M approved, $886K 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 Fortress Bank
What are Fortress Bank's total assets?
As of the Q2 2026 filing, Fortress Bank reported total assets of $897.2 million in its FFIEC call report.
Where is Fortress Bank headquartered?
It is headquartered in Peoria, IL, United States.
When was Fortress Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Fortress Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fortress Bank?
Fortress Bank's primary federal regulator is the FDIC.
What is Fortress Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.66% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Fortress Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fortress Bank's Texas Ratio?
Its Texas Ratio is 17.09% 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 Fortress Bank previously called?
The charter now named Fortress Bank has also operated as First State Bank of Illinois (2008-2017), First State Bank of Western Illinois (1989-2008), State Bank of La Harpe (1941-1989), per FDIC structure-change records.
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