Portrait Bank
Total assets
$44.7M
Deposits
$594K
Loans
$0
Offices
1
ROA (annualized)
-8.27%
peers 0.99%
ROE (annualized)
-8.90%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | Portrait Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.0% | — |
| Deposit growth (YoY) | — | +2.5% | — |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -8.27% | 0.99% | -9.3 pts |
| ROE | -8.9% | 8.1% | -17.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 2026
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 941 W Morse Blvd, Winter Park, FL, 32789
- County
- Orange
- Metro area
- Orlando-Kissimmee-Sanford, FL
- Offices
- 1
- FDIC cert #
- 59381
- RSSD ID
- 6075729
- Latest call report
- Q2 2026
Total assets last 1 quarters
Not enough history yet.
Deposits last 1 quarters
Not enough history yet.
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.7M | $594K | $0 | $41.5M | $-1.8M | -8.27% | 0.15% | 0.00% |
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Portrait Bank | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.27% | Not enough history yet. | 0.99% | 1th |
Return on equity Annualized net income ÷ equity or net worth | -8.9% | Not enough history yet. | 8.1% | 5th |
Net interest margin Interest income − interest expense, ÷ assets | 0.15% | Not enough history yet. | 3.88% | 1th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 8077.4% | Not enough history yet. | 70.8% | 100th |
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% |
Balance sheet
| Ratio | Portrait Bank | Trend (1q) | 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% |
Capital
| Ratio | Portrait Bank | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Portrait Bank | Trend (1q) | 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% |
Franchise
| Ratio | Portrait Bank | Trend (1q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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