Portrait Bank
Winter Park, FL·RSSD 6075729·FDIC 59381·bank:6075729·CBLR opted in
- #82 of 85Total assets in Florida
- 1offices
- 24employees
Performance over time
1 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Portfolio detail unavailable
This source does not provide mapped loan categories for this filing.
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 8 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Where Portrait Bank differs most from peers
Loan-to-deposit ratio among the lowest of similar banksContext: Liquidity0.0%peers 66.9%-66.9 pp
Portrait Bank's loans as a share of deposits was 0.0%, compared with a median of 66.9% among 544 similar banks: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 0.0% | 66.9% | -66.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Portrait Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio among the highest of similar banksContext: Capital99.23%peers 13.04%+86.2 pp
Portrait Bank's leverage ratio was 99.23%, compared with a median of 13.04% among 583 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 99.23% | 13.04% | +86.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Portrait Bank itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share among the highest of similar banksContext: Funding37.7%peers 23.1%+14.6 pp
Portrait Bank's share of deposits that pay no interest was 37.7%, compared with a median of 23.1% among 543 similar banks: higher than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 37.7% | 23.1% | +14.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Portrait Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Portrait Bank is a bank headquartered in Winter Park, Florida. It reported $44.7 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $594,000, and loans totaled $0.
Scorecard against peers
Capitalization
Liquidity & funding
Asset quality
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Portrait Bank's own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- Portrait Bank · Bank
- Federal Reserve RSSD
- 6075729
- FDIC certificate
- 59381
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Portrait Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
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|---|---|---|
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| — | -16.54%ROAQ · Quarter | |
| — | 0.31%NIMYQ · Quarter | |
| — | 8077.42%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.