| Metric | Portage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +36.6% | +4.4% | +32.2 pts |
| Deposit growth (YoY) | +43.6% | +4.0% | +39.6 pts |
| Loan growth (YoY) | +31.0% | +5.6% | +25.4 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 9.4% | 11.9% | -2.4 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.2M | $93.6M | $86.9M | $8.2M | $377K | 0.69% | 4.67% | 0.86% |
| Q1 2026 | $113.8M | $91.6M | $85.6M | $7.9M | $-9K | -0.03% | 4.48% | 1.27% |
| Q4 2025 | $96.5M | $74.4M | $80.6M | $7.9M | $14K | 0.02% | 4.77% | 1.50% |
| Q3 2025 | $92.9M | $70.0M | $73.9M | $7.8M | $82K | 0.13% | 4.66% | 1.55% |
| Q2 2025 | $85.1M | $65.2M | $66.3M | $7.8M | $45K | 0.11% | 4.69% | 0.52% |
| Q1 2025 | $80.7M | $63.8M | $59.0M | $7.8M | $22K | 0.10% | 4.37% | 0.00% |
| Q4 2024 | $87.8M | $70.7M | $57.7M | $7.8M | $731K | 1.00% | 5.24% | 0.80% |
| Q3 2024 | $75.4M | $61.0M | $59.1M | $7.8M | $665K | 1.29% | 5.20% | 0.60% |
Loan mix (Q2 2026): real estate $83.8M · commercial $3.2M · consumer $816K · securities $10.1M
| Ratio | Portage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 62.9% | 92th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Portage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Portage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Portage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Portage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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