# FORTUNA BANK
GRANDVIEW HEIGHT, OH · FDIC certificate 59330 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $57.3M | |
| Deposits | $38.0M | |
| Loans and leases | $27.8M | |
| Total equity | $17.9M | |
| Loans / deposits | 72.29% (p48 of band) | 73.59% |
| Liquid assets / assets | 46.50% (p74 of band) | |
| Uninsured deposits / deposits | 25.31% (p69 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 34.14% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | -0.50% (p82 of band) | -6.57% |
| AOCI / equity | -1.13% (p25 of band) | |
| ROA (annualized) | -3.90% (p1 of band) | 1.17% |
| Net interest margin | 3.28% (p21 of band) | 3.93% |
| Efficiency ratio | 225.06% (p99 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 17.81% (p50 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 65.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2025-03 | 3 | uninsured deposits >50% | NIM <2.5% |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 3 |  | uninsured deposits >50% |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | uninsured deposits leaving |  |
| 2026-06 | 4 |  |  |

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

- 2026-06-22 [Central Ohio's smallest bank reaches $50M in assets - Columbus Business First - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOTDM1bHBIQ2Z6dkJiS0p5MlVEVnZuRHpPWDdRMkUyRjdkTTN3aVl1bHdSUm02aHREWDI0NDY5YzR4RG5jUkkyNnRaMmg4LTdab29xd2UzT1hKalA2aXhxQk9OSFQtY2RiVGZ2cWdlWTlEem1ORXlJQVZVNTVEdlk3bWlpajl5ZjV0bzFGckdEclBObXFzMXd1MQ?oc=5) · The Business Journals
- 2025-12-29 [CEO of the Year 2025 Winner Ilaria Rawlins Empowers Women at Fortuna Bank - Columbus CEO](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOYmphX3pYeS1wdHNET3ZyckRWV1k4al9ZX1BCUlJNckJEa01Yakk0SmZnSG5TbF9ERl9KWU9QSEhkc0ZRSjY3Nmp0UERwbzVFZDFvOFhpZEhBVzRVbTE3Q0o5dXZTM2NLZ0xOLWtpLVZPcXZwYVNoZE15NG5TbEdsQkR4WWRKTVhXVDJrbUhUa0FlVWZGVURMTUlTQ0RSU2VFRlJQUzBSLThxWnRrT2lFSTFyUWdPUXVVNFc5cEQ2RGJYc0RPYnVteGF3UGhGMGk1Q05BVFIwS3JVdVZQcFE?oc=5) · Columbus CEO
- 2024-08-12 [Ohio's first women-owned bank nears opening - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNbTZDMkpfdzlCZUpmZU1kUkd0TkMwUVVmOWI0eFVSeE9qUUVsa09feFliZzV2NU9lZVBORkNFZkp5eFRLMG1xN2xEeDJvOHROUGpBbnlHQy1ad3hpWWlHWkZwV2NNSlo4R3Y0VG1IbER5eFRVRHl5T2M3dTRtcUNVOVV3WXVpWHFlSHRWcDE1dkoxY25nTW1lTA?oc=5) · American Banker
- 2024-10-09 [Fortuna Bank: A Columbus Bank By Women, For Women—and Everyone - Columbus Monthly](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQbGZ2M3VJb3NpblFPdWZTVFF0OEE1R1JkTlJGRFBPU2tfOW9GRVlnRlJhSmR1cVdfcnBVd1lkeFNPa0VUcGZDWnBHSnMwNXpFc3RkSTNSY1lYRGl5WG91ZVVLSUxybHFfeXFDS1RBRnlrcVpJMmxwS2RNZ1pVU0dYdVJwaHROMExUTnRuWnRGTzJSdVkzQWdSYW9sbmFSdmtJS1RtbnV0NFp4OFZhSnM4LXdCdUR1QmRnb0lSUzVteTQwYjVIOEEtdTA4SWRjT1hOV0k1dVNR?oc=5) · Columbus Monthly
- 2024-12-15 [Ohio’s first women-led bank set to open in Grandview - Spectrum News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5jc0xTWnZLdzR5VmRWM1NIanNLUE1jWmVNSE5SMFBUSG5XZE5tR3ljUGJLNjZXTTB6elpjamxHWEh4S1BSX0VHTldDWUh0aUhuV0pQYWhWTTRnYjA1Um9lUF9va3hmdkktaGlmSWpuUTdFZGw3dWpwYzRId1NzRkk?oc=5) · Spectrum News
- 2025-09-26 [Central Ohio's smallest startup banks lending where big ones aren't - Columbus Business First - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQNnY5ZDROZ3RPakYtdzhhNWdYd001dTNINkF1Nzh6N3h6YVZ2U3VteldGY2I3cExRdkgzR2UtV29MMnhfY181UlZyckpUdjVYNGp1ZkQwRWxWbnNVcHNyc1ByNW8wOUNRZlByWnVNVTNuQUFqRldFaXZ5bU5uNjhzRkpnNThWeENNUjFRTUhaSmVGTERDVjNGZlZPSXRmdw?oc=5) · The Business Journals
- 2025-08-27 [Fortuna Bank Opens To Close The Women’s Credit Gap - Forbes](https://news.google.com/rss/articles/CBMipAFBVV95cUxQSVhJLU9KMnM1czJJT2xSeENnVlBuVlBqeU9DSmZabkVESmJFY1NqRFpFN0JtQTdaV2pLZk5RWHBFa1lxR1ZLSnZVWV84TEpfcENvQnhic0pEZF9HVkhlNjBOUzNHZy0yWUc4Y3UwbzdNNzh6eHlyM1ZPa2hoOHo2NnA0NUMyYnRReGNkU003WHBDYzdXc0o3aDJiZkg0YzQtYUQtSA?oc=5) · Forbes
- 2023-03-06 [First women-owned bank in Ohio proposed for Grandview Heights - The Columbus Dispatch](https://news.google.com/rss/articles/CBMixwFBVV95cUxNUXhaWEQ1dmhBMTF2ejc5cTh2aE1oQ3pFRkNIQWZHalpfT3JqdTl2aWUzUENWSVkwazNUYlJkbDBRR01lU2hCY3NSQ1JHQ0x1cEJ4RlZWU0dfQUx1dnhPTldJUmlvMzdZT2E5aE51d2JiTnBWbXVpeHZnRUxGREtoMEFaX1YwNmZCOGhGTnpQbDd4b1BtUFo4aDBHSUFia0ZoaUlDc0gyRFVTSEFwWl92YVNIRjRFRlFfUjE1VmpFQ3pMbXZ6Yk13?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59330 (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/2.json (key "59330", 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