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Fortuna Bank

Grandview Heights, OH · Cert 59330

State charter, non-member · FDIC · 1 branch

Q2 2026

$57.3MAssets
$27.8MLoans
$38.0MDeposits
$17.9MEquity
Loan mix
99%RE $24.0M1%C&I $0.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $31.7M17%Noninterest $6.3MQ2 2025Q2 2026

NIM

4.01%Q1 ’254.30%Q2 ’255.31%Q2 ’26-9%+18%

Non-interest income vs. expense

6.78%Q1 ’255.35%Q2 ’257.53%Q2 ’26-21%+34%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #44 of 53 inst. · $0.0B of $124.6B

Executive Summary

  • Earnings: ROA of -3.35%, down 183 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 34.14%, down 1,420 bps from a year ago.
  • Funding: loans stand at 73.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-3.35%-183 bps YoY

Net Interest Margin (quarter, annualized)

3.15%+49 bps YoY

Efficiency Ratio (quarter, annualized)

215%+1,429 bps YoY

Tier 1 Leverage Ratio

34.14%-1,420 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.53%-2.61%-3.67%-4.54%-3.35%-183 bps
Return on Equity-3.16%-5.68%-7.99%-11.25%-9.92%-676 bps
Net Interest Margin2.66%2.87%2.88%3.19%3.15%+49 bps
Efficiency Ratio201%204%239%237%215%+1,429 bps
Non-Interest Burden5.35%5.84%6.94%7.81%7.18%+184 bps
Growth
Asset Growth (YoY)n/an/a94.36%32.81%30.55%n/a
Loan Growth (YoY)n/an/an/a715%581%n/a
Deposit Growth (YoY)n/an/a3743%84.34%65.12%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.11%1.18%1.16%1.16%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio48.33%46.42%45.08%41.17%34.14%-1,420 bps
Total Risk-Based Capital48.33%46.42%45.08%41.17%34.14%-1,420 bps
Equity / Assets44.60%47.36%44.56%36.82%31.20%-1,339 bps
Liquidity & Funding
Loans / Deposits17.73%37.84%52.92%80.92%73.13%+5,540 bps
Liquid Assets / Assets0.68%2.22%3.00%0.78%1.74%+105 bps
CRE / Total Capitaln/a27.27%43.52%101.48%n/an/a