# FORTE BANK
HARTFORD, WI · FDIC certificate 5297 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $404.5M | |
| Deposits | $336.3M | |
| Loans and leases | $336.9M | |
| Total equity | $43.1M | |
| Loans / deposits | 99.13% (p87 of band) | 82.04% |
| Liquid assets / assets | 12.79% (p11 of band) | |
| Uninsured deposits / deposits | 13.53% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.74% (p62 of band) | |
| FHLB advances / assets | 5.29% | |
| Tier 1 leverage | 10.56% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -1.93% (p80 of band) | -8.10% |
| AOCI / equity | -0.51% (p41 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 3.93% (p52 of band) | 3.91% |
| Efficiency ratio | 65.51% (p63 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 1875.53% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 72.56% (p74 of band) | |
| Auto loans | $565,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 59 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-04-23 [Forte Bank Chooses CSI as Core Technology Provider to Accelerate Growth and Modernize the Customer Experience - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxONS1JNkZPcUd2b29BN3hITDJUM3pndS1QRjFLUktqVWRJX2VRUDUtcGpLQVNSamplTzBseEJGWkx0WF9SSEtIYWo0YTFwbDJzZVNxWVV3N1BZLTF4ODFqamhrVl9zNWx3amgxTVQ3bU05Q29QNzlIN2d4ZHM5cWpfQWY4X3Z1cjYxRVdjWlFjOFhrNmpKRkYybnBuX0lYWVQ1ODcyQTI2OXlBc0pXRWNHa2FETzlzR0tkV0tYMDV2M0Y2dE5ETHVNWFRGWlN2eHNZaXRpb1VSZ1F6MW1rZ3dGWlE3M2k4Y2V6MzRHQk1Pcll3UjEyRHRTQ2JB?oc=5) · Business Wire
- 2019-11-26 [First National Bank of Hartford to change name to Forte Bank - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiigFBVV95cUxPTHZzZEpJcml5UU9Td1BjOTBNMWpJdW5NRjY4T25iazZYbkxHdXVKM21TOTQ2UkhVNGZ1Zm1UNlJHVmp1N3ByUDB3M2hucjhndDJ0X3JIb3BHVVFQSkpGa1FUNHpRdUNqQy0tanp5Y0gxOTNjY1hxOU5iemFSODF2c3lERkZfZHZoeXc?oc=5) · BizTimes - Milwaukee Business News
- 2026-06-20 [Forte Bank celebrates Juneteenth with Day of Impact - GMToday.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZERKc3NLWGYzcUJmcVdLQzhtaWlyMVRPMnRINktUZlJYVWRCbWROUnU0S1VqbU9OdTNUNnZYczZqQlZkU2MtU1U3OC1XN1Vrc256NWxPbkxZcTl5bS1majdCVFlKSTRwcWFORzFXYVBRZXR5UnZCR0JJOEtZanZVclJ6UE1fQkpobTVLZUJFd29RRDJjTm4zdTRyTFNjbEswOFkwazVnWmFqYlNBVFhiNnZYcHJNQQ?oc=5) · GMToday.com
- 2024-04-05 [REAL ESTATE | Construction underway next to Stein’s Gardens & Gifts in West Bend, Wi - Washington County Insider](https://news.google.com/rss/articles/CBMie0FVX3lxTE84VVdsdkJGQW1XSzlNU3dvUjQxYkF1RkNTbkpFMURfTXVEb0VqQ2owS3dLUzJMeG1lbVRELWdxVWpVSDN1VWFibE1ZaVIxZzlkR1RTVE1ySGtRVjBueWZWRlpnbmtMUDFQVVNZNnkxVm1vVHZZRXBuZzFvdw?oc=5) · Washington County Insider
- 2025-04-01 [Community banks fill top jobs in March - American Banker](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tVWdQWllVb1ctNU5vcXEyNkVMS2ZMUXl5bW5kZExuNnFhRU1EMXdJUjVDN1JEQ3FCaEcxdnhac2F6MUxreEFsb3NfY2MzTF9NNUNfT1p0ZjJReWN3WXdkemdzU2l0RURMT19CUi1ISmhNdERtR0pia1BDV2NoaW8?oc=5) · American Banker
- 2025-01-03 [Forte Bank announces Novotny as new vice president of commercial banking - GMToday.com](https://news.google.com/rss/articles/CBMimgJBVV95cUxNdGFBN1BvU1JocUVUZzk2WXNxYy1WRUlnb01uWDFnM0xOQm5qNlZDZUxkNW4yTUhyckVnVHBCLWdjZXA4UlJESTRxeE5CZlladXEtT1R6VHhnU0VzazgyZ0ZZMjI5WmZwd0paZXlBZUF3N2VZRlFqZzVxVFVwWGdxSWtSTC0wQms3SkNRSndWMTFXTF9YLWlRNE9jbmd1Umdoa1lIVGF5NE5Db1VYVGNSTmhfMlNlZjNlTlFYSGR2VF9ZcFdwc04yWmdlbXlhUXhxY09ZU18xNVJ3Z0VKMTNfYXNXNFI5TU5MU0M3WEg1SmdWVG5GZlltQWlkZWs2ZnRwSEdTMHpFVzZROFRNZUJIblMxcGZKTjZRTXc?oc=5) · GMToday.com
- 2023-04-26 [Forte Bank celebrates employee longevity - GMToday.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPYUltOGh4ZHhoWW1NT2Y1YmtoeDdTZGtBbUpBaDJ6ZzRheW95TjBGb3p3a3lQOU9PTlpLclJ2LUFSdnlWNmI2ZzBqTnFkNjJJQmtiMEZDV01nTnMyMDd3R1FidnlYTTFFMUdxSkYtcTI1emptTHhVUDlZQXlrcVJxTC1hc3lYYTRoaFpYZkw3eVhUVG1ubWtUX2ktV2k1Q0xNVFFwZkVxSmNVVFpaMjdzbDEyUlFOVEpYT0RVRGRtMjJHRkF4MmF5eEtLNEQtY28?oc=5) · GMToday.com
- 2024-09-19 [James R. Danaher appointed to Forte Bank Board of Directors - GMToday.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQdHNCVnlkanJDUWdVR0dXMk9LcmdsdHlveTRjWDZwWjl4aGNKS2I4ZXpNQUdhTlJFM3dNRWl5OUdxbFNPcjRwdllTR0xja29RZ2dCLUoySlh1QldwTjZvUFY0RW5QWWI0ekM3bi10R1dqYzBIRzJ4REZkU3A5UmhEQ2dWN3ZWY2JqTERpMURVVmtuQTAtVFdLMU5WQWJjSHYzZldaeEhCQW9WZl93QUY3cmxsQ0FUSlY1WGRRTVJsQWhkLThOLTFaYlZENTZVSERvazRVV2JrbnpTaDZzVlZQRXAtRUJPVEE?oc=5) · GMToday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5297 (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/49.json (key "5297", 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