Fortress 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): 22.00 percentage points lower than in Q1 2026, at 264.10%. Among 323 Illinois banks, Fortress Bank sits 16th from the top on loan-to-deposit ratio, 100.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fortress Bank sits 19.84 points higher, at 100.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $691.1M |
| Net loans and leases | $682.4M |
| Loans held for sale | $56.5M |
| Loans to total assets | 77.03% |
| Loan-to-deposit ratio | 100.68% |
| Net loans to equity capital | 8.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.21% |
| Multifamily (5+ residential) | 5.32% |
| Commercial and industrial | 26.56% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 9.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 264.10% |
| Construction concentration (Tier 1 capital + allowance) | 52.57% |
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 | 6.47% |
| Interest income on loans | $10.4M |
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 | $563.5M | $572.1M | 25.21% | 21.84% | 1.94% |
| Q4 2023 | $586.3M | $590.4M | 26.55% | 20.62% | 1.87% |
| Q1 2024 | $585.9M | $612.5M | 27.32% | 17.76% | 1.95% |
| Q2 2024 | $618.6M | $627.0M | 25.32% | 17.44% | 1.81% |
| Q3 2024 | $625.8M | $642.6M | 25.67% | 18.50% | 1.54% |
| Q4 2024 | $644.4M | $657.4M | 25.30% | 20.27% | 1.57% |
| Q1 2025 | $656.1M | $657.6M | 24.01% | 24.40% | 1.64% |
| Q2 2025 | $652.9M | $650.1M | 23.01% | 25.35% | 0.73% |
| Q3 2025 | $653.7M | $658.4M | 23.86% | 23.24% | 0.79% |
| Q4 2025 | $655.3M | $699.9M | 23.91% | 22.33% | 0.79% |
| Q1 2026 | $690.8M | $676.8M | 24.30% | 25.51% | 0.77% |
| Q2 2026 | $691.1M | $686.5M | 26.21% | 26.56% | 0.76% |
Fortress Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortress 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 Fortress Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9632) · FFIEC NIC profile (RSSD 953535)