Fortress Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets fell 0.42 percentage points from Q1 2026 to Q2 2026, ending at 9.47% against 9.90%. It was the largest change among the key lines on this page. On CET1 ratio, Fortress Bank is 2nd from the bottom among 198 Illinois banks, 9.66% (Q2 2026). Fortress Bank reported 9.66% on CET1 ratio for Q2 2026, 5.41 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.66% |
| Tier 1 risk-based capital ratio | 10.80% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 9.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $68.4M |
| Tier 1 capital | $76.5M |
| Total risk-based capital | $85.3M |
| Total equity capital | $85.0M |
| Risk-weighted assets | $708.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 8.39% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 4.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $580K |
| Common stock surplus | $40.9M |
| Retained earnings | $36.6M |
| Preferred stock and surplus | $8.1M |
| Accumulated other comprehensive income | -$1.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 8.98% | 10.00% | 11.25% | 9.17% | $597.1M |
| Q4 2023 | 9.38% | 10.37% | 11.62% | 9.16% | $616.3M |
| Q1 2024 | 9.62% | 10.62% | 11.87% | 9.07% | $609.9M |
| Q2 2024 | 9.35% | 10.30% | 11.48% | 8.96% | $639.5M |
| Q3 2024 | 9.38% | 10.31% | 11.53% | 8.88% | $649.6M |
| Q4 2024 | 9.31% | 10.53% | 11.72% | 9.02% | $665.9M |
| Q1 2025 | 9.20% | 10.38% | 11.63% | 9.06% | $682.6M |
| Q2 2025 | 9.45% | 10.63% | 11.88% | 9.17% | $687.1M |
| Q3 2025 | 9.69% | 10.88% | 12.13% | 9.33% | $680.8M |
| Q4 2025 | 9.82% | 11.01% | 12.26% | 9.07% | $680.0M |
| Q1 2026 | 9.50% | 10.63% | 11.88% | 9.33% | $719.8M |
| Q2 2026 | 9.66% | 10.80% | 12.04% | 9.12% | $708.1M |
Fortress Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortress Bank, freeSource: Call Report Schedule RC-R, 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 Fortress Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9632) · FFIEC NIC profile (RSSD 953535)