Fortress Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 35.85 percentage points in Q2 2026, from 101.60% to 65.74%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Fortress Bank is 217th of 323 on return on assets, 0.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Fortress Bank sits 0.34 points lower, at 0.91% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.66% |
| Tier 1 risk-based capital ratio | 10.80% |
| Total risk-based capital ratio | 12.04% |
| Tier 1 leverage ratio | 9.12% |
| Equity capital to assets | 9.47% |
| Tangible equity to tangible assets | 8.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.92% |
| Non-performing assets ratio | 1.53% |
| Net charge-off ratio | 1.53% |
| Texas ratio | 17.09% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 65.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 9.12% |
| Net interest margin | 3.25% |
| Efficiency ratio | 79.19% |
| Yield on earning assets | 5.83% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.68% |
| Core deposits to total deposits | 96.74% |
| Brokered deposits to total deposits | 0.59% |
| Deposits to assets | 76.51% |
| Securities to assets | 9.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 8.98% | 10.00% | 11.25% | 9.17% | 0.77% |
| Q4 2023 | 9.38% | 10.37% | 11.62% | 9.16% | 0.74% |
| Q1 2024 | 9.62% | 10.62% | 11.87% | 9.07% | 0.54% |
| Q2 2024 | 9.35% | 10.30% | 11.48% | 8.96% | 0.63% |
| Q3 2024 | 9.38% | 10.31% | 11.53% | 8.88% | 0.65% |
| Q4 2024 | 9.31% | 10.53% | 11.72% | 9.02% | 0.58% |
| Q1 2025 | 9.20% | 10.38% | 11.63% | 9.06% | 0.45% |
| Q2 2025 | 9.45% | 10.63% | 11.88% | 9.17% | 1.03% |
| Q3 2025 | 9.69% | 10.88% | 12.13% | 9.33% | 0.68% |
| Q4 2025 | 9.82% | 11.01% | 12.26% | 9.07% | 0.75% |
| Q1 2026 | 9.50% | 10.63% | 11.88% | 9.33% | 0.85% |
| Q2 2026 | 9.66% | 10.80% | 12.04% | 9.12% | 0.91% |
Fortress Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortress Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)