Portage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 56.0% in Q2 2026, from $5.7M to $8.9M. It was the largest change from Q1 2026 among the key lines here. Within Washington, Portage Bank is 11th of 29 on loan-to-deposit ratio, 93.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Portage Bank sits 13.03 points higher, at 93.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.8M |
| Net loans and leases | $86.9M |
| Loans held for sale | $8.9M |
| Loans to total assets | 75.60% |
| Loan-to-deposit ratio | 93.87% |
| Net loans to equity capital | 10.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.10% |
| Multifamily (5+ residential) | 8.90% |
| Commercial and industrial | 3.67% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 0.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 320.62% |
| Construction concentration (Tier 1 capital + allowance) | 154.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $56.2M | $53.9M | 15.90% | 7.07% | 1.88% |
| Q4 2023 | $53.0M | $50.7M | 16.38% | 7.71% | 3.12% |
| Q1 2024 | $53.0M | $54.7M | 15.62% | 7.66% | 1.79% |
| Q2 2024 | $58.5M | $54.1M | 12.78% | 6.06% | 1.51% |
| Q3 2024 | $60.1M | $61.0M | 15.06% | 6.28% | 1.54% |
| Q4 2024 | $58.3M | $70.7M | 15.51% | 4.78% | 1.64% |
| Q1 2025 | $59.6M | $63.8M | 14.15% | 5.36% | 1.26% |
| Q2 2025 | $66.9M | $65.2M | 17.16% | 4.92% | 1.67% |
| Q3 2025 | $74.6M | $70.0M | 20.84% | 6.31% | 1.44% |
| Q4 2025 | $81.5M | $74.4M | 18.85% | 5.03% | 1.24% |
| Q1 2026 | $86.6M | $91.6M | 18.35% | 4.32% | 0.93% |
| Q2 2026 | $87.8M | $93.6M | 19.10% | 3.67% | 0.93% |
Portage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Bank, freeSource: Call Report Schedule RC-C, 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)