# FORTRESS BANK
PEORIA, IL · FDIC certificate 9632 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $897.2M | |
| Deposits | $686.5M | |
| Loans and leases | $691.1M | |
| Total equity | $85.0M | |
| Loans / deposits | 99.41% (p88 of band) | 82.04% |
| Liquid assets / assets | 16.43% (p20 of band) | |
| Uninsured deposits / deposits | 20.33% (p30 of band) | 25.97% |
| Brokered deposits | 0.45% | |
| Wholesale funding | 12.84% (p83 of band) | |
| FHLB advances / assets | 8.42% | |
| Tier 1 leverage | 9.12% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -2.01% (p79 of band) | -8.10% |
| AOCI / equity | -0.42% (p46 of band) | |
| ROA (annualized) | 0.85% (p25 of band) | 1.28% |
| Net interest margin | 3.27% (p18 of band) | 3.91% |
| Efficiency ratio | 79.80% (p88 of band) | |
| Noncurrent loans | 1.99% (p88 of band) | 0.43% |
| Net charge-offs (annualized) | 0.56% (p97 of band) | |
| Reserve coverage of noncurrent | 63.49% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 52.72% (p59 of band) | |
| Auto loans | $3.1M (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 224 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 0 |  | capital falling, reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2014-06 | 1 | brokered >10% | charge-offs p90, uninsured deposits leaving |
| 2014-09 | 3 | wholesale funding >15%, capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | brokered >10%, capital falling |
| 2015-06 | 3 | brokered >10%, uninsured deposits leaving |  |
| 2015-09 | 3 | capital falling | uninsured deposits leaving |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | brokered >10% |
| 2017-09 | 3 | brokered >10%, reserve under noncurrent |  |
| 2017-12 | 3 | capital falling | reserve under noncurrent |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | brokered >10%, reserve under noncurrent |
| 2020-06 | 4 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2020-09 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling, charge-offs p90 |
| 2020-12 | 1 | loans exceed deposits |  |
| 2021-03 | 2 | charge-offs p90, reserve under noncurrent | loans exceed deposits |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | assets shrinking | charge-offs p90 |
| 2022-06 | 0 |  | assets shrinking |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | uninsured deposits leaving |  |
| 2024-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 2 |  | reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | noncurrent p90 |
| 2026-03 | 2 | loans exceed deposits |  |
| 2026-06 | 2 | charge-offs p90 | loans exceed deposits |

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

- 2026-03-11 [IL SBDC to Host National SBDC Day Open House March 18 - Western Illinois University](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9QVXVVamcteUhFR3I3VFdGbGJsWExKQzlPdnRzNWNtZjhyRTJPZXNUdllEcGxtMU44Vkh3MURPbWRwS1djaTZCU1ZFZlpOZXBUYWRWbDkxV0FKQkdjMGVsVlJIVThhV3hl?oc=5) · Western Illinois University
- 2018-02-19 [Fortress Bank Opens in the QC - WVIK, Quad Cities NPR](https://news.google.com/rss/articles/CBMieEFVX3lxTE5wUDVIZ3gzNkFqbG40WmY5YzJoNjAyTUktLUlFd2xGTGtUblhoQjVCWFNZNjJ0eHk1UldZWXJ4N0xfNkZfaGtLTkI3dWtmU1lleVl6V04wSTlDZlo4Z2VoR2ZySmxwLXZBbUpOcU4yVUd1Y3pKTkFDSA?oc=5) · WVIK, Quad Cities NPR
- 2019-11-11 [CEO at Fortress Bank - mississippivalleypublishing.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOQ2xCOVZMaDlWcDZsZmRXM25RVTNTQlRwT29rNTd0VXg3RmdDVjdobHVqUjdDTV9NQXhtNThFNzZZNjljN09IeW5tbFRBNWRQU2dxdTRNX0kyUXYxeUZjd3JwajVEQVNUOXlXSXVWb0ZZcjMyNVF0TkdYMHl3NVZwS1J1WjdoRk5hXzVvalJ2U0pyd3RTVnpGQnBZdVZtLWVBbXZGZnlOdGRQWTlQckl1U0M1SmJVX20ta1NPTWloUjV4WDQ?oc=5) · mississippivalleypublishing.com
- 2023-01-13 [Launch a small business idea while competing for $10,000 at ‘Bank Tank’ event - KWQC](https://news.google.com/rss/articles/CBMipAFBVV95cUxPWFg4S3BhREJYSEdqNUNPNlNBT3ZyMkdENnB2RU5SZFBpVERIV3NFSnRlUWVBRmxvNkQ2bHg0LXRHWWtfZUNBQ3Z0ZjZub0diaHBpYzBKR292a1NaQUh4SHR2czhhdldpQjdOc3V6cTdvbUZ1MS1uUVRhaF9qSmtvbUpPcTNWVHB3NHZmMnZETUhfOFV0OW5BVzc0T3hUOTFfUURxVdIBuAFBVV95cUxQQlR5a2QweGJUSk9kOFNmNkRYMld3NExnaUE2N3NqNzVlNHZFOGRZN1hXemQ2YW9PdGJsMVlyek00cUZGRFJfNk1qX2hWOS1RRVAyOUM5TC1QZ2NYRE5LWFJpUHhBdWFlNmQ4LThHcWZpVlpyOVd3N2dDVWN2MWhfc1hCdWJmZG5rU3VVeXZkaW9BdTFnUGlxRF9XSmZtNlJsRjd1c1JmcTg0aDY2b1N1YmJoMEYxZmh4?oc=5) · KWQC
- 2020-01-20 [Ken Mauser named VP at Fortress Bank - Peoria Journal Star](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQ3NYM0I2aHFvdmdRRlpiNjFPcEg4S29WbTJMZ1ZPQ3RFWUs0UnVRbWZHTGwzN1JERV9SbC1wbU52bFhvcmpGWnE2cTJkYV85eWlUZndzaV9FcXJtNjZKMzUyeGdUSWo5X1dWeG41dlNXdEI1ZFBSS2VJczQxRmZJLWFjZG1QQQ?oc=5) · Peoria Journal Star
- 2023-02-15 [2 Peoria women-led startups win big money during pitch competition - WEEK | 25 News Now](https://news.google.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?oc=5) · WEEK | 25 News Now
- 2022-09-20 [Police: Suspect damaged bank ATM, took $10,000-plus in cash - OurQuadCities](https://news.google.com/rss/articles/CBMingFBVV95cUxOb1VwOFh1d3hpbHQ5MEVlX1RJWnBwbVZXckNBMzNUUlZqRzNjbWFTZl9KTW9hM2lMWFVvbklidWRyVVRNSlpxblY3UWttckF5M09Hbm5TSjkwS1JDankxVXRwbHN4VElMbmh3UnBTSkJjd210UjFTQ2JKeDNOU3F2cGxTMzJFOURHaWpmMDF4OHFKb290dFN6czVEMkZmUdIBowFBVV95cUxNTmIybjByR0lPcWJHSzNnUzBpRVAyRklxd1NuYURKQ1N2ZjM3YnU4d1RBSkppckRnaU5lMGM1Y1BkZTNheGV6YTlxTG9ubTZVcFJHQmZhN0JwcnRWRGFLaDVDUks1RHJ6Sk14VTZySFVDSHB2ZTgtVnB6ei12aktTUHFlZzhPQzc1bHY5dy1xMG1kZ3lZQkdiVDdEd2ZSMFNUalpz?oc=5) · OurQuadCities
- 2026-09-02 [Hancock County Fights Cancer event planned for Sept. 26 - Muddy River News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOb3R2eGQzTE1oUU0yN1dycVFWRVdxbmNUZmlfdlI3azhvUFF1a0g5WTNJU2FkaldpTjl0OVd0RnV1VUlVeVZhUU4yQUIteVAzdzhJcXI0aExaNlRzNWNURk9jQ1kwU3NHaDlQZjF2QVlBaXNpSWFHTG84WHJwQzI5V08zQ1pWZ2MtRUptN092OFd5V0R3SUdPRkVJS0lIcDQ3Q0REcVBBWTVaSE5nRDVZX3RpbGc5VkFRVnc?oc=5) · Muddy River News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9632 (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/32.json (key "9632", 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