Fortress Bank
Peoria, IL · Cert 9632 · Peer group: banks under $1B in assets in IL (n=149-151) · First State Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$897.2MAssets
$691.1MLoans
$686.5MDeposits
$85.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 46% of banks under $1B in assets in IL (rank 82 of 151).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in IL (rank 141 of 149).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.82%
Rank 99 of 151
Net Interest Margin
3.11%
Rank 108 of 151
Efficiency Ratio
79.80%
Rank 129 of 151
Equity / Assets
9.47%
Rank 103 of 151
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 15% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.70% | 1.03% | 1.34% | Beats 34% | 99 / 151 | |
| Return on Equity | 8.67% | 6.74% | 9.34% | 12.94% | Beats 46% | 82 / 151 | |
| Net Interest Margin | 3.11% | 3.02% | 3.43% | 3.83% | Beats 28% | 108 / 151 | |
| Efficiency Ratio | 79.80% | 54.64% | 64.89% | 72.50% | Beats 15% | 129 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.99% | 0.20% | 0.66% | 1.77% | Beats 21% | 118 / 149 | |
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.02% | 0.07% | Beats 6% | 141 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 11.83% | 14.17% | 18.66% | Beats 13% | 132 / 151 | |
| Total Risk-Based Capital Ratio | 12.04% | 12.22% | 14.54% | 19.92% | Beats 23% | 116 / 151 | |
| Equity / Assets | 9.47% | 9.10% | 10.65% | 12.40% | Beats 32% | 103 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 100.68% | 54.39% | 71.02% | 80.75% | 97th pctl | 4 / 149 | |
| Loans / Assets | 77.03% | 45.91% | 61.31% | 68.01% | 93rd pctl | 10 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |