Fortress Bank (FDIC #9632): Bank Stress & Real-Estate Credit Exposure
Fortress Bank (FDIC Cert #9632): bank stress 75/100, severe, STABLE over 7 days; parent FIRST STATE BCORP INC.
Fortress Bank (#9632) lends in 5 counties across 2 states; Fortress Bank (#9632) reaches 95 ZIP codes: Illinois 4 counties, 73 ZIPs; Iowa 1 county, 22 ZIPs.
Fortress Bank (#9632) largest markets: Peoria County, IL (28 branches, 28 ZIPs) (#9632), Scott County, IA (22 branches, 22 ZIPs) (#9632), Hancock County, IL (100 branches, 20 ZIPs) (#9632), Mcdonough County, IL (34 branches, 17 ZIPs) (#9632), Warren County, IL (14 branches, 14 ZIPs) (#9632).
Fortress Bank (#9632) reports $897.2 million in total assets; Fortress Bank (#9632) equity $85.0 million (9.5% of Fortress Bank (#9632) assets); Fortress Bank (#9632) domestic deposits $686.5 million; Fortress Bank (#9632) net income $3.7 million; Fortress Bank (#9632) return on assets 0.85%; Fortress Bank (#9632) return on equity 8.77%; Fortress Bank (#9632) net interest income $13.0 million; Fortress Bank (#9632) call report June 30, 2026.
Fortress Bank (#9632) noncurrent real-estate loans 0.06% of its book; Fortress Bank (#9632) residential 0.15%; Fortress Bank (#9632) net charge-offs on real estate 1.49%; Fortress Bank (#9632) multifamily charge-offs 1.63%; Fortress Bank (#9632) residential charge-offs 2.53%.
Fortress Bank (#9632) net interest margin 3.27% against an eight-quarter Fortress Bank (#9632) average of 3.30% (Fortress Bank (#9632) compression 0.03 points); Fortress Bank (#9632) real-estate loans 6.0% of equity; Fortress Bank (#9632) non-residential real estate 252.9% of equity; Fortress Bank (#9632) rate-exposure score 40/100, Fortress Bank (#9632) fixed-rate trap 40/100; Fortress Bank (#9632) risk type credit driven; Fortress Bank (#9632) rate regime rates elevated, Fortress Bank (#9632) snapshot October 19, 2026.
Fortress Bank (#9632) stress score moved from 72.7 on June 22, 2026 to 75.3 on October 19, 2026; Fortress Bank (#9632) ranged 72.7 to 75.3 over 116 snapshots.
Fortress Bank (#9632) alerts: 5 counties; top Fortress Bank (#9632) alert scores: Peoria County, IL 44 (moderate); Davenport County, IL 26 (low); Macomb County, IL 26 (low); Monmouth County, IL 26 (low); Niota County, IL 26 (low).