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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

96

Q2 2026Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

1

Q2 2026Q2 2026peer median (50)

Liquidity

0

Q2 2026Q2 2026peer median

Efficiency

0

Q2 2026Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Portrait Bank

Winter Park, FL · Cert 59381

1 branch

Q2 2026

$44.7MAssets
$0KLoans
$594KDeposits
$41.5MEquity

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.

Return on Assets (YTD, annualized)

-8.27%
n/a

Net Interest Margin (YTD, annualized)

0.15%
n/a

Efficiency Ratio (YTD, annualized)

8077%
n/a

Tier 1 Leverage Ratio

99.23%
n/a

NIM

Non-interest income vs. expense

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets-8.27%n/an/a
Return on Equity-8.90%n/an/a
Net Interest Margin0.15%n/an/a
Efficiency Ratio8077%n/an/a
Non-Interest Burden11.97%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loansn/an/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ratio99.23%n/an/a
Total Risk-Based Capital99.23%n/an/a
Equity / Assets92.92%n/an/a
Liquidity & Funding
Loans / Deposits0.00%n/an/a
Liquid Assets / Assets89.72%n/an/a
CRE / Total Capitaln/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

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

$0.0M$5.0MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 0% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-8.27%0.60%1.01%1.45%Beats 1%624 / 629n/a
Return on Equity-8.90%5.38%9.30%13.28%Beats 3%607 / 629n/a
Net Interest Margin0.15%3.03%3.54%4.05%Beats 0%626 / 629n/a
Efficiency Ratio8077%58.35%67.79%79.08%Beats 0%629 / 629n/a
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio99.23%11.24%13.84%18.77%Beats 95%31 / 629n/a
Total Risk-Based Capital Ratio99.23%11.58%14.43%19.66%Beats 95%31 / 629n/a
Equity / Assets92.92%9.09%10.65%13.80%Beats 98%12 / 629n/a
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594n/a
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution