Fortifi Bank is a state-chartered bank headquartered in Berlin, Wisconsin, in business for about 150 years. At the end of Q2 2026 it reported $750.4M in total assets and $608.8M in deposits, with 10 offices.
Fortifi Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 130th. Capital cushion contributes the most (76/100, 12.61%); loan quality contributes the least (20/100, 2.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (73 → 58), mostly because the loan quality component weakened by 47 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 73 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 59 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.58% |
| Q3 2024 | 12.29% |
| Q4 2024 | 12.55% |
| Q1 2025 | 12.69% |
| Q2 2025 | 12.98% |
| Q3 2025 | 13.04% |
| Q4 2025 | 12.45% |
| Q1 2026 | 12.48% |
| Q2 2026 | 12.61% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.78% |
| Q1 2025 | 1.17% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.11% |
| Q1 2026 | 2.27% |
| Q2 2026 | 2.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.66% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $750.4M | 12.61% | 2.40% | 1.40% | 90.4% |
| Q1 2026 | 59 | $723.0M | 12.48% | 2.27% | 1.59% | 99.1% |
| Q4 2025 | 71 | $744.8M | 12.45% | 1.11% | 1.65% | 92.4% |
| Q3 2025 | 70 | $700.4M | 13.04% | 1.30% | 1.66% | 97.3% |
| Q2 2025 | 73 | $673.4M | 12.98% | 0.98% | 1.61% | 98.2% |
| Q1 2025 | 70 | $678.6M | 12.69% | 1.17% | 1.63% | 96.0% |
| Q4 2024 | 73 | $669.7M | 12.55% | 0.78% | 1.51% | 95.3% |
| Q3 2024 | 71 | $667.4M | 12.29% | 0.83% | 1.52% | 97.4% |
| Q2 2024 | 70 | $655.2M | 12.58% | 0.90% | 1.49% | 100.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Prairie du SacBank Prairie Du Sac, WI | 88 out of 100, Very strong | $744.5M | 13.7% | 0.00% | vs |
| Chippewa Valley BankBank Hayward, WI | 74 out of 100, Strong | $735.8M | 8.7% | 0.22% | vs |
| Woodtrust BankBank Wisconsin Rapids, WI | 68 out of 100, Moderate | $734.8M | 10.9% | 1.33% | vs |
| Dairy State BankBank Rice Lake, WI | 80 out of 100, Strong | $730.3M | 12.0% | 0.06% | vs |
| Westbury BankBank Waukesha, WI | 70 out of 100, Strong | $771.9M | 9.2% | 0.00% | vs |
| Northwestern BankBank Chippewa Falls, WI | 80 out of 100, Strong | $725.6M | 11.2% | 0.03% | vs |
Deposit insurance
Is my money safe at Fortifi Bank?
Yes. Fortifi Bank is an FDIC-insured institution (FDIC certificate #5286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.5% of deposits ($198.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.62% (benchmark: 10%).
10 locations
Branches
Fortifi Bank lists 9 offices in 9 cities. Most locations:
- Berlin, WI (1)
- Green Bay, WI (1)
- Green Lake, WI (1)
- Montello, WI (1)
- Omro, WI (1)
- Oshkosh, WI (1)
- Ripon, WI (1)
- Waunakee, WI (1)
- Winneconne, WI (1)
HMDA 2025
Mortgage lending
In 2025, Fortifi Bank reported 280 home-loan applications under HMDA (LEI 254900TQL77TN5I01K05): 241 originated ($74,165,000 total), 12 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Fortifi Bank
- Former names
- The First National Bank of Berlin
- Type
- State-chartered bank
- FDIC certificate #
- 5286
- RSSD ID
- 111942
- Primary regulator
- FDIC
- Holding company
- First Berlin Bcorp Inc
- Established
- January 1, 1876
- Headquarters
- 240 Broadway, Berlin, WI 54923
- Website
- www.fortifibank.com
- Employees
- 104
Quick answers
Fortifi Bank: common questions
Is Fortifi Bank FDIC insured?
Yes. Fortifi Bank is an FDIC-insured institution (FDIC certificate #5286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fortifi Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fortifi Bank ever failed?
There is no failure record for FDIC certificate #5286 in the FDIC failed bank list.
How many branches does Fortifi Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Berlin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Winnebago Community Credit UnionCredit union Oshkosh, WI | 85 out of 100, Very strong | $176.1M | 13.8% | 0.13% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |
| West Pointe BankBank Oshkosh, WI | 84 out of 100, Strong | $368.8M | 19.4% | 0.91% | vs |
| The Farmers State Bank of WaupacaBank Waupaca, WI | 84 out of 100, Strong | $279.5M | 11.6% | 0.00% | vs |
| Fox Valley Savings BankBank Fond Du Lac, WI | 79 out of 100, Strong | $387.3M | 15.4% | 0.33% | vs |