Portage Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to average assets fell 0.46 percentage points in Q2 2026 to 7.23%, the biggest move on this page. Within Washington, Portage Bank is 18th of 21 on CET1 ratio, 10.96% as of Q2 2026, below the middle of the field. Portage Bank reported 10.96% on CET1 ratio for Q2 2026, 4.11 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.96% |
| Tier 1 risk-based capital ratio | 10.96% |
| Total risk-based capital ratio | 12.21% |
| Tier 1 leverage ratio | 7.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.5M |
| Tier 1 capital | $8.5M |
| Total risk-based capital | $9.4M |
| Total equity capital | $8.2M |
| Risk-weighted assets | $77.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.05% |
| Tangible equity to tangible assets | 7.05% |
| Equity capital to average assets | 7.23% |
| Internal capital growth rate | 8.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $7.8M |
| Retained earnings | $606K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$290K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.19% | 15.19% | 16.44% | 9.97% | $46.0M |
| Q4 2023 | 16.16% | 16.16% | 17.42% | 10.61% | $43.9M |
| Q1 2024 | 16.44% | 16.44% | 17.69% | 10.98% | $44.1M |
| Q2 2024 | 15.82% | 15.82% | 17.07% | 10.79% | $46.8M |
| Q3 2024 | 16.40% | 16.40% | 17.66% | 10.70% | $49.2M |
| Q4 2024 | 16.12% | 16.12% | 17.32% | 10.20% | $50.2M |
| Q1 2025 | 15.50% | 15.50% | 16.70% | 9.47% | $51.9M |
| Q2 2025 | 13.43% | 13.43% | 14.51% | 8.99% | $59.7M |
| Q3 2025 | 12.47% | 12.47% | 13.54% | 8.64% | $64.5M |
| Q4 2025 | 11.11% | 11.11% | 12.36% | 7.95% | $72.5M |
| Q1 2026 | 10.96% | 10.96% | 12.21% | 8.03% | $75.4M |
| Q2 2026 | 10.96% | 10.96% | 12.21% | 7.49% | $77.4M |
Portage Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Portage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8197) · FFIEC NIC profile (RSSD 401951)