Fortuna 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.78 percentage points lower than in Q1 2026, at 73.13%. Fortuna Bank has the 1st lowest return on assets of the 156 banks headquartered in Ohio, at -3.42% as of Q2 2026. Fortuna Bank's return on assets of -3.42% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 4.42 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 34.14% |
| Equity capital to assets | 31.20% |
| Tangible equity to tangible assets | 31.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.42% |
| Return on equity | -9.92% |
| Net interest margin | 3.16% |
| Efficiency ratio | 215.03% |
| Yield on earning assets | 5.32% |
| Cost of funds | 3.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.13% |
| Core deposits to total deposits | 80.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 66.34% |
| Securities to assets | 30.96% |
Vital Signs trend
Last 7 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2024 | 92.96% | — | — | — | — |
| Q1 2025 | 62.23% | -4.24% | 3.13% | 0.00% | 0.00% |
| Q2 2025 | 48.33% | -1.53% | 2.80% | 0.00% | 0.00% |
| Q3 2025 | 46.42% | -2.66% | 3.07% | 0.00% | 0.00% |
| Q4 2025 | 45.08% | -3.66% | 3.02% | 0.00% | 0.00% |
| Q1 2026 | 41.17% | -4.70% | 3.32% | 0.00% | 0.00% |
| Q2 2026 | 34.14% | -3.42% | 3.16% | 0.00% | 0.00% |
Fortuna Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortuna 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 Fortuna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59330) · FFIEC NIC profile (RSSD 5837377)