← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Fortress Bank

Peoria, Illinois · $897M in assets · beside the 11 other Illinois banks between $300M and $1B

The filing

100.7%
Loans / deposits
12th of 12
+5.9%
Loans, year over year
2nd of 12, largest first
1.99%
NPA / loans
10th of 12

Fortress Bank is the third largest of the 12 Illinois banks nearest its size between $300M and $1B, with $897M in assets at 30 June 2026. Loans are 100.7% of deposits, the highest in the cohort against a median of 80.8%, and equity is 9.5% of assets, 9th of 12. Loans grew +5.9% in the year, 2nd of 12, and deposits grew 5.6%; the cohort's median loan growth is +1.6%.

Noncurrent loans are 1.99% of the book, 10th of 12 against a median of 0.70%; 0.34% is 30 to 89 days past due, and the allowance covers them 0.6 times. Net charge-offs are 0.70% of loans, the highest in the cohort. Commercial real estate is 32.6% of loans, 5th of 12 against a median of 33.5%, and 264% of capital, below the 300% screen, with construction at 53% against the 100% screen.

Return on assets is 0.87%, 7th of 12 against a median of 0.91%, on an efficiency ratio of 79.8%, 9th of 12. Five years ago it was 0.97%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 80.8% FS First Savings Bank of Hegewisch 53.1% RB Resource Bank National Association 64.0% FN First National Bank of Waterloo 70.3% HS Home State Bank N.A. 75.4% PS Prairie State Bank & Trust 75.7% FN Farmers National Bank 79.5% SV Sauk Valley Bank & Trust Co. 82.0% LB Liberty Bank for Savings 82.6% IB International Bank of Chicago 86.6% MB Millennium Bank 96.3% CB Cibm Bank 99.8% FB Fortress Bank 100.7%
Loans, year over yearIL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.6% MB Millennium Bank +6.3% FB Fortress Bank +5.9% SV Sauk Valley Bank & Trust Co. +5.6% HS Home State Bank N.A. +4.8% FN Farmers National Bank +4.3% FN First National Bank of Waterloo +3.2% PS Prairie State Bank & Trust +0.0% RB Resource Bank National Association -0.4% CB Cibm Bank -0.8% IB International Bank of Chicago -2.0% LB Liberty Bank for Savings -2.4% FS First Savings Bank of Hegewisch -4.1%

SBA 7(a), FY2008 to FY2026

Fortress Bank is the 53rd largest 7(a) lender into Iowa of 416, with $13M across 12 loans, 0.4% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 1 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Scott, IA$8M5th of 734.3%-12.3 pts
Peoria, IL$4M14th of 642.5%thin
Polk, IA$3M48th of 1770.4%thin
Rock Island, IL$3M12th of 432.8%thin
Boone, IA$900K10th of 233.6%thin
Warren, IL$280K1st of 348.5%quiet FY2010
Tazewell, IL$270K37th of 500.2%thin
Cedar, IA$229K13th of 231.8%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing3$6M31.2%0.02%609th of 2,246
Retail trade4$5M23.9%0.01%751st of 2,589
Administrative & waste services1$3M12.8%0.02%491st of 1,763
Wholesale trade1$3M12.7%0.01%637th of 1,651
Accommodation & food services4$2M10.3%0.00%1241st of 2,596
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Fortress Bank
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans FB Fortress Bank 0.4% $13M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Fortress BankRankCohort median
Total CRE against capital, the 300% screen264%10th of 12210%
Construction against capital, the 100% screen53%11th of 1236%
Construction and land development, share of loans6.5%7th of 126.2%
Non-owner-occupied nonfarm nonresidential, share of loans20.8%9th of 1218.5%
Total CRE, the guidance definition, share of loans32.6%5th of 1233.5%
CRE growth over 36 months, the third prong+36.1%10th of 12+24.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
International Bank of Chicago$983M1.8%55.2%0.05%0.00%1.7%86.6%11.6%
First National Bank of Waterloo$929M0.9%63.8%1.33%0.03%1.6%70.3%9.9%
Fortress Bank$897M0.9%79.8%1.99%0.70%1.3%100.7%9.5%
Farmers National Bank$896M1.1%45.0%0.23%0.00%3.2%79.5%14.3%
Liberty Bank for Savings$869M0.4%82.6%0.04%0.00%0.5%82.6%23.4%
Resource Bank National Association$869M1.3%69.2%2.44%0.00%1.2%64.0%7.6%
Millennium Bank$844M0.6%69.7%4.37%0.23%1.5%96.3%9.4%
Prairie State Bank & Trust$840M1.6%60.2%0.52%0.04%1.1%75.7%12.1%
Cibm Bank$820M0.5%80.9%1.08%0.21%1.2%99.8%9.8%
Sauk Valley Bank & Trust Co.$791M0.8%71.2%0.87%-0.04%1.4%82.0%7.6%
First Savings Bank of Hegewisch$787M0.1%91.0%0.06%0.00%0.5%53.1%15.0%
Home State Bank N.A.$776M1.5%68.0%0.07%-0.01%1.2%75.4%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fortress BankCohort median
20212026Change20212026Change
Loans$408M$691M+70%$404M$549M+36%
Deposits$445M$686M+54%$648M$687M+6%
NPA / loans1.43%1.99%+0.56 pts0.70%0.70%-0.00 pts
Efficiency65.9%79.8%+13.9 pts68.6%69.5%+0.8 pts
ROA0.97%0.87%-0.10 pts1.01%0.91%-0.11 pts

This read was prepared for Fortress Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fortress Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $300M to $1B
Institution www.bankfortress.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue