Fortifi Bank: how it compares with its peers
Against 59 WI banks with half to twice its assets, Fortifi Bank's strongest measure in Q2 2026 is net interest margin (4.28% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.6M).
| Measure | Fortifi Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.26% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 3.74% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.40% | 59.48% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.6M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.43% | 89.32% | Context |
What it means for lending operations
Its efficiency ratio of 55.40% is better than the 59.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Prairie du Sac Prairie Du Sac, WI · $745M
- Chippewa Valley Bank Hayward, WI · $736M
- WOODTRUST BANK Wisconsin Rapids, WI · $735M
- Dairy State Bank Rice Lake, WI · $730M
- Westbury Bank Waukesha, WI · $772M
- Northwestern Bank Chippewa Falls, WI · $726M
Questions about Fortifi Bank
How big is Fortifi Bank?
Fortifi Bank, established in 1876, is headquartered in Berlin, WI. It reported $750M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Fortifi Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.26% median for 59 WI banks with half to twice its assets, ahead of 58% of them.
What is Fortifi Bank's efficiency ratio?
55.40% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.48%, and lower is better.
Is Fortifi Bank growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 13.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.