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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -8.27% | 0.60% | 1.01% | 1.45% | Beats 1% | 624 / 629 | n/a | |
| Return on Equity | -8.90% | 5.38% | 9.30% | 13.28% | Beats 3% | 607 / 629 | n/a | |
| Net Interest Margin | 0.15% | 3.03% | 3.54% | 4.05% | Beats 0% | 626 / 629 | n/a | |
| Efficiency Ratio | 8077% | 58.35% | 67.79% | 79.08% | Beats 0% | 629 / 629 | n/a | |
| 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 | n/a | |
| Total Risk-Based Capital Ratio | 99.23% | 11.58% | 14.43% | 19.66% | Beats 95% | 31 / 629 | n/a | |
| Equity / Assets | 92.92% | 9.09% | 10.65% | 13.80% | Beats 98% | 12 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | n/a | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |