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Fortifi Bank

IDRSSD: 111942
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 111942 held $723.0M in total assets as of 2026-03-31 (-2.9% quarter-over-quarter). Total loans stood at $578.4M (+3.4% QoQ) and total deposits at $583.9M (-3.5% QoQ).

Overall position is adequate — the composite Health Score is 43/100 (Adequate). Tier 1 / RWA stands at 14.55%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

4 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
43/100
Adequate
Active Alerts
4
0 critical, 4 warning
Total Assets
$723.0M
-2.9% QoQ
Total Loans
$578.4M
+3.4% QoQ
Total Deposits
$583.9M
-3.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.55%
52th pctile · n=322↑ better
-35 bp QoQ
CET1 / RWA
14.55%
70th pctile · n=500↑ better
-35 bp QoQ
Total RBC / RWA
15.79%
53th pctile · n=322↑ better
-32 bp QoQ
Tier 1 Leverage Ratio
14.55%
69th pctile · n=500↑ better
-35 bp QoQ

Liquidity

Cash / Assets
5.26%
40th pctile · n=500↑ better
-566 bp QoQ
Loans / Deposits
99.06%
88th pctile · n=499↓ better
+667 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
2.27%
89th pctile · n=500↓ better
+115 bp QoQ
NPA / Assets
1.84%
90th pctile · n=500↓ better
+99 bp QoQ
Texas Ratio (regulatory)
13.38%
89th pctile · n=500↓ better
+697 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
36th pctile · n=500↓ better
-21 bp QoQ
ALLL Coverage of NPL
55.36%
18th pctile · n=500↑ better
-5489 bp QoQ

Earnings

Net Interest Margin
4.25%
73th pctile · n=500↑ better
-13 bp QoQ
Return on Assets
1.59%
73th pctile · n=500↑ better
-7 bp QoQ
Return on Equity
13.33%
59th pctile · n=500↑ better
-37 bp QoQ
Efficiency Ratio
53.61%
24th pctile · n=500↓ better
+158 bp QoQ
Pre-tax NOI / Avg Assets
1.89%
75th pctile · n=500↑ better
-19 bp QoQ

Funding

Brokered / Deposits
7.93%
83th pctile · n=499↓ better
+66 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
7.48%
83th pctile · n=500↓ better
+25 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.82%
35th pctile · n=500↑ better
+70 bp QoQ
AFS Securities / Assets
10.81%
42th pctile · n=500↑ better
+70 bp QoQ
HTM Securities / Assets
0.00%
31th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 01:57:36 UTC