| Metric | Fortuna Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.6% | +3.0% | +27.6 pts |
| Deposit growth (YoY) | +65.1% | +2.5% | +62.6 pts |
| Loan growth (YoY) | +580.6% | +2.6% | +578.0 pts |
| ROA | -3.90% | 0.99% | -4.9 pts |
| ROE | -10.6% | 8.1% | -18.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.3M | $38.0M | $27.5M | $17.9M | $-972K | -3.90% | 3.28% | 0.00% |
| Q1 2026 | $49.6M | $30.1M | $24.1M | $18.3M | $-524K | -4.54% | 3.27% | 0.00% |
| Q4 2025 | $42.7M | $22.4M | $11.7M | $19.0M | $-1.1M | -3.07% | 3.14% | 0.00% |
| Q3 2025 | $40.8M | $20.2M | $7.6M | $19.3M | $-764K | -2.83% | 3.16% | 0.00% |
| Q2 2025 | $43.9M | $23.0M | $4.0M | $19.6M | $-488K | -2.84% | 3.12% | 0.00% |
| Q1 2025 | $37.3M | $16.3M | $3.0M | $19.7M | $-333K | -4.49% | 3.38% | 0.00% |
| Q4 2024 | $22.0M | $582K | $0 | $20.0M | $-443K | -2.02% | 0.26% | 0.00% |
Loan mix (Q2 2026): real estate $27.2M · commercial $604K · consumer $0 · securities $17.7M
| Ratio | Fortuna Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.90% | 0.99% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -10.6% | 8.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 225.1% | 70.8% | 98th |
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 | Fortuna Bank | Trend (7q) | 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 | Fortuna Bank | Trend (7q) | 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 | Fortuna Bank | Trend (7q) | 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 | Fortuna Bank | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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