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Fortress Bank

IDRSSD: 953535
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #953535 2025-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ +4
69
Sub-score

Liquidity is stable: brokered 6.5%, loans/deposits 98.9%, cash 4.6% of assets.

Cash / Assets
4.59%
Loans / Deposits
98.95%
Brokered %
6.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +2
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 9.45%, leverage 9.07%.

Tier 1 RBC
10.63%
CET1
9.45%
Leverage
9.07%
No watch items at this period.

Asset Quality

StableQoQ -3
72
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 20.8%, NCO YTD 0.01%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
0.01%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).

Reserves

WatchQoQ -24
47
Sub-score

Reserves are deteriorating: ALLL 1.48% of loans, coverage 56.2%, true coverage 56.2%.

ALLL / Loans
1.48%
Coverage
56.2%
True Loss Coverage
56.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 23:57:11 UTC