| Metric | Fortress Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.7 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 8.8% | 12.4% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $897.2M | $686.5M | $682.4M | $85.0M | $3.7M | 0.85% | 3.27% | 1.58% |
| Q1 2026 | $853.3M | $676.8M | $680.4M | $84.5M | $1.8M | 0.83% | 3.49% | 1.34% |
| Q4 2025 | $839.3M | $699.9M | $645.7M | $82.8M | $5.9M | 0.73% | 3.54% | 1.21% |
| Q3 2025 | $813.2M | $658.4M | $643.3M | $81.9M | $4.3M | 0.72% | 3.44% | 1.56% |
| Q2 2025 | $814.0M | $650.1M | $643.2M | $79.8M | $3.0M | 0.73% | 3.15% | 2.11% |
| Q1 2025 | $804.1M | $657.6M | $647.2M | $77.7M | $881K | 0.44% | 3.27% | 0.91% |
| Q4 2024 | $796.6M | $657.4M | $636.5M | $76.5M | $4.5M | 0.60% | 3.13% | 0.68% |
| Q3 2024 | $765.6M | $642.6M | $618.2M | $74.1M | $3.4M | 0.61% | 3.10% | 0.74% |
Loan mix (Q2 2026): real estate $472.2M · commercial $183.6M · consumer $5.2M · securities $86.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fortress Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 61.2% | 89th |
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% |
| Ratio | Fortress 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% |
| Ratio | Fortress 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% |
| Ratio | Fortress 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% |
| Ratio | Fortress Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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