# FORTIFI BANK
BERLIN, WI · FDIC certificate 5286 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $750.4M | |
| Deposits | $608.8M | |
| Loans and leases | $558.8M | |
| Total equity | $90.0M | |
| Loans / deposits | 90.43% (p71 of band) | 82.04% |
| Liquid assets / assets | 22.54% (p42 of band) | |
| Uninsured deposits / deposits | 32.54% (p73 of band) | 25.97% |
| Brokered deposits | 7.50% | |
| Wholesale funding | 13.83% (p85 of band) | |
| FHLB advances / assets | 6.33% | |
| Tier 1 leverage | 12.61% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -6.89% (p54 of band) | -8.10% |
| AOCI / equity | -0.27% (p54 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 4.28% (p72 of band) | 3.91% |
| Efficiency ratio | 55.40% (p32 of band) | |
| Noncurrent loans | 2.40% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 61.46% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 91.89% (p83 of band) | |
| Auto loans | $2.9M (0.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.8% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 0 |  | capital falling, reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | deposits shrinking | capital falling |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 1 | charge-offs p90 | capital falling |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 2 | expense ratio p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | capital falling, expense ratio p90 |
| 2017-12 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2018-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2018-06 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | expense ratio p90 |
| 2019-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | construction >100% equity |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | charge-offs p90 |  |
| 2021-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2022-03 | 0 |  | reserve under noncurrent |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2024-09 | 2 |  | loans exceed deposits |
| 2024-12 | 1 |  | wholesale funding >15% |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-27 [Fortifi Bank opens new branch in Oshkosh on North Koeller Street - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMivgFBVV95cUxPdlluZURiNXFZd3o0UU1nQmw1YS1GWjBUOFBrMXktb3ZhelpveUZxQW1aR1J4NDEzRGItbDFBSzZYNVZYbnBQZnRuRnUwVmp1OVFSM2Yyb3JfMll0Y1F2NVQ3OFM2MG4wMmNKcHVGWnlPbTE2T0pDUzNmZEhQemxuTUoxclAxSzRKbnBhOXN0dWg5eW5JZmFfNi1vbWd1VEk4Z3l0aVVDc1R0N24zU1QtSmZROUh1NDVNalczUXNB?oc=5) · Oshkosh Northwestern
- 2020-06-11 [Fortifi will open Ripon branch July 1 - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMixwFBVV95cUxPdEc2YjkwTXNYaGlkcGZvbzhfdUNRbnN0dTNRMlRMWW5fOUhKMERHZFFxd25pOU0wa0lSbVV0aUZaMnRVRmtySWdnNjdjZDMwbGlOaGgwckkwVzRjTzRIdDVONm9RcFBnMDJpZnhXeXMwd2tBaTZXNlk5SEhOdl9XekpMNVBMUlNDUjJwMDdxZzY5LTllQzEzYnBqUWVlZXItLVVielZ5c1hwOFp1LUxnb0hzMlNoejlpZjNaYUtEVWdzV3F1QjdB?oc=5) · Ripon Commonwealth Press
- 2020-06-10 [Fortifi Bank announces opening date for Ripon branch | Streetwise - fdlreporter.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQTXh4c0FkZUhBc21ISllaTlZsLU9PTEVHVmViRFNuR1NwamJDMXhfdHlLaFBMNjJvTEVSYmFvOGhFRXRyRjJpd1ZFa210R1RtWE53TW95cVFNMHQ4UVZuYlRnM3B2R0haMDE4VGVfMkpFQlFUV29ZRXVSY05weUZRS2s0eHJfSzNjR3FlaVNpYllGVVNaV3BWUVVDamdHSkdNN3A4NVQxRXJ0eVJBbTBydEVPcnBZRHl5cy1LMGln?oc=5) · fdlreporter.com
- 2017-11-17 [Streetwise: 1st National Bank will become Fortifi Bank with charter change in early 2018 - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZF9JZ0dpQzQ3eUFkTEFTRnVsR3B0WlFyaW95SDZSN3JsN0xpeEpkSGp0Wl94R0x1Mkt1RHp3UEs5TkNRdDdwenpXUTRJb054NVZxMWNKLXNuTVVtRktRazY3clJTdEtOaUtNckllMjNCSHI5NVdPSi1Nd01HUWFYZGxNcHBoZTRzMnB5RmMyVlJXckpnU1VucWlNRkc1M2Vmd1VOa1pJdUxSdnpOZ2FzelVKMFNmLVJDV3QweTBmd1NLOHVXVFk0aV9uQXM3VEs1c0xQaFF5WQ?oc=5) · Oshkosh Northwestern
- 2025-11-19 [Millwork Distributors Inc. breaks ground on new expansion - Woodworking Network](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNNjRWUW9QSzhfMFFrYzFDTHpwQm1OU3RwNWhlVzZIRWNucW1uYkcyaXpvSE5zal9sMFE2dGRUOXBRa3p2ZjN4WEtNWTU4NzhxbF9fUTVYVm5KMkJWV0Z2c3l3M281Yl9xWjZrVWRBVUMzdkZjRzZrZVFJODMxYW9lbmY4c3l3Q2xaNTlVTkFkTXVlUDhEaGIwaU9IUmFpNDhLRWt0bDF1bjBGMDBMRkNnRHowMkI3blB2MWt3?oc=5) · Woodworking Network
- 2021-05-20 ['A Food A-Fare' Food Truck Rally to be held at Ashwaubomay Park - nbc26.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQWGkzRllLQTJvUnpuTkw1a3ZxdlIwM3YxeTJZUlZHMlk4MU9IT2JoczI2b1JVM1dNREpaUl9XZ3pLMGtmemhqMms4bUpqcjNIQ1Rwb3FyM2gzM3hFVFVWUURMa2d1c2xuYW5aV3JiMmZmVVZKUEhHXzN5M2g4SEZqX2RZU0NfMW1wV0ZSTDlEWVNyZ3d4R1Y1RTl6MjRqMGFI?oc=5) · nbc26.com
- 2022-01-26 [Panda Express gets nod from council; sober living home plans OK'd; Fortifi Bank adds Oshkosh location | Streetwise - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNclVVb2FDaGZjNC1ZVTd6LU53SWdTV0lwT1U0QnZBT3hqZGV3XzdYZnBQeHgxa0R2YlNHbWtLM1lObjF3NFBMOUxFcTEwY1plT0d4OTFvNzBnRWtBWlBmWUxBbkVlQ1ZnVENiNnhHd29rN2w0MWwyVkZUVmVJQW1LMndrVXhrdDZ4OHBhVTJ5V1A1XzZiNXpIdm1FYzZPUEdIUGxyNjdjQWdzUlBYb0VqbkNfWjkzSTR2NG42Mm53TGJWZw?oc=5) · Oshkosh Northwestern
- 2026-06-04 [11th-annual Bike Rodeo pedals back to Barlow Park June 7 - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPSEpzZ2Y3RGNSNUNRNkFMTmljSnV2N3Roem45XzI0eEdETWtXX2FLUjlYVFoyZHNIWW1RZmdYRnVTb3NCeF9pUVViV2g3YnRVNE9iNEJldmVPdGpEakthS3lkR1J4WWs4N0tfVjRpQjhfaDVHYi1fcm4zaENyRk0xWUUtUFBZX1lSdDY1cXhYWnN6ZDM3c3c5alpKYm5lLUtJYUZLWTVpSkxXOEZnVVBkXzFtTDJVQVJxZmxnZkhIX1ZLNng3bzA3T2dsdVpIVGpkZVdLOA?oc=5) · Ripon Commonwealth Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5286 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "5286", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide