Portrait Bank
Winter Park, FL · Cert 59381 · Peer group: banks under $1B in assets (n=582-617)
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 617).
- Widest gap: efficiency ratio trails 100% of banks under $1B in assets (rank 617 of 617).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-8.27%
Rank 612 of 617
Net Interest Margin
0.15%
Rank 614 of 617
Efficiency Ratio
8077%
Rank 617 of 617
Equity / Assets
92.92%
Rank 12 of 617
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 | Peer Position |
|---|
| Earnings |
| Return on Assets | -8.27% | 0.60% | 1.01% | 1.45% | Beats 1% | 612 / 617 | |
| Return on Equity | -8.90% | 5.30% | 9.43% | 13.30% | Beats 4% | 595 / 617 | |
| Net Interest Margin | 0.15% | 3.04% | 3.54% | 4.05% | Beats 0% | 614 / 617 | |
| Efficiency Ratio | 8077% | 58.03% | 67.76% | 79.08% | Beats 0% | 617 / 617 | |
| 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% | 11.18% | 13.83% | 18.55% | Beats 95% | 30 / 617 | |
| Total Risk-Based Capital Ratio | 99.23% | 11.56% | 14.39% | 19.39% | Beats 95% | 30 / 617 | |
| Equity / Assets | 92.92% | 9.03% | 10.55% | 13.63% | Beats 98% | 12 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 64.77% | 79.70% | 93.06% | 0th pctl | 571 / 582 | |
| Loans / Assets | 0.00% | 51.70% | 67.18% | 77.51% | 0th pctl | 571 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |