Fortifi Bank
Total assets
$750.4M
▲ +11.4% YoY
Deposits
$608.8M
▲ +13.8% YoY
Loans
$550.5M
▲ +4.8% YoY
Offices
10
FIRST BERLIN BCORP INC
ROA (annualized)
1.40%
peers 1.28%
ROE (annualized)
11.72%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Fortifi Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.9% | +6.5 pts |
| Deposit growth (YoY) | +13.8% | +4.3% | +9.5 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.5 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 11.7% | 12.4% | -0.7 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
Profile
- Established
- 1876
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST BERLIN BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 240 Broadway, Berlin, WI, 54923
- County
- Green Lake
- Offices
- 10
- FDIC cert #
- 5286
- RSSD ID
- 111942
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $750.4M | $608.8M | $550.5M | $90.0M | $5.2M | 1.40% | 4.28% | 1.79% |
| Q1 2026 | $723.0M | $583.9M | $578.4M | $87.6M | $2.9M | 1.59% | 4.25% | 1.84% |
| Q4 2025 | $744.8M | $605.3M | $559.3M | $87.9M | $11.5M | 1.65% | 4.41% | 0.85% |
| Q3 2025 | $700.4M | $561.1M | $546.2M | $87.7M | $8.4M | 1.66% | 4.44% | 1.03% |
| Q2 2025 | $673.4M | $534.9M | $525.3M | $84.3M | $5.4M | 1.61% | 4.43% | 0.77% |
| Q1 2025 | $678.6M | $530.0M | $508.9M | $81.1M | $2.7M | 1.63% | 4.35% | 0.89% |
| Q4 2024 | $669.7M | $537.7M | $512.3M | $77.7M | $9.9M | 1.51% | 4.12% | 0.60% |
| Q3 2024 | $667.4M | $509.4M | $496.2M | $78.0M | $7.4M | 1.52% | 4.06% | 0.64% |
Loan mix (Q2 2026): real estate $443.0M · commercial $101.1M · consumer $7.4M · securities $77.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Fortifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 61.2% | 33th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Fortifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Fortifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Fortifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Fortifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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