Portrait Bank

Winter Park, FL · Cert 59381

1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=594 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

Asset Quality

No peer data yet

Profitability

Liquidity

Efficiency

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Portrait Bank

Winter Park, FL · Cert 59381

1 branch

Q2 2026

$44.7MAssets

$0KLoans

$594KDeposits

$41.5MEquity

NIM

Non-interest income vs. expense

Market Position · Orlando-Kissimmee-Sanford, FL · 2026 SOD (annual) · 0.0% share · #46 of 49 inst. · $0.0B of $68.8B

Executive Summary

Earnings: ROA of -8.27%; NIM at 0.15%.
Capital: tier 1 leverage ratio of 99.23%.
Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-8.27%

Net Interest Margin (YTD, annualized)

0.15%

Efficiency Ratio (YTD, annualized)

8077%

Tier 1 Leverage Ratio

99.23%

Year to date, annualized, through each quarter.

Metric	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	-8.27%	n/a	n/a
Return on Equity	-8.90%	n/a	n/a
Net Interest Margin	0.15%	n/a	n/a
Efficiency Ratio	8077%	n/a	n/a
Non-Interest Burden	11.97%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	99.23%	n/a	n/a
Total Risk-Based Capital	99.23%	n/a	n/a
Equity / Assets	92.92%	n/a	n/a
Liquidity & Funding
Loans / Deposits	0.00%	n/a	n/a
Liquid Assets / Assets	89.72%	n/a	n/a
CRE / Total Capital	n/a	n/a	n/a

Portrait Bank

Winter Park, FL · Cert 59381 · Peer group: banks under $1B in assets (n=594-629)

1 branch

Q2 2026

$44.7MAssets

$0KLoans

$594KDeposits

$41.5MEquity

Executive Summary

Strongest standing: equity / assets outperforms 98% of banks under $1B in assets (rank 12 of 629).
Widest gap: efficiency ratio trails 100% of banks under $1B in assets (rank 629 of 629).
Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-8.27%

Rank 624 of 629

Net Interest Margin

0.15%

Rank 626 of 629

Efficiency Ratio

8077%

Rank 629 of 629

Equity / Assets

92.92%

Rank 12 of 629

Non-interest income vs. expense

Unfavorable gap of $5.0M · efficiency ratio beats 0% of banks under $1B in assets

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-8.27%	0.60%	1.01%	1.45%	Beats 1%	624 / 629
Return on Equity	-8.90%	5.38%	9.30%	13.28%	Beats 3%	607 / 629
Net Interest Margin	0.15%	3.03%	3.54%	4.05%	Beats 0%	626 / 629
Efficiency Ratio	8077%	58.35%	67.79%	79.08%	Beats 0%	629 / 629
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	99.23%	11.24%	13.84%	18.77%	Beats 95%	31 / 629
Total Risk-Based Capital Ratio	99.23%	11.58%	14.43%	19.66%	Beats 95%	31 / 629
Equity / Assets	92.92%	9.09%	10.65%	13.80%	Beats 98%	12 / 629
Liquidity & Funding
Loans / Deposits	0.00%	67.24%	80.90%	93.48%	0th pctl	582 / 594
Loans / Assets	0.00%	53.31%	67.71%	78.15%	0th pctl	582 / 629
Brokered Deposits / Deposits	n/a	Not reported for this institution