Portage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 33.54 percentage points in Q2 2026, from 65.65% to 99.20%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Portage Bank is 6th of 29 on return on assets, 1.36% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Portage Bank sits 0.11 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.96% |
| Tier 1 risk-based capital ratio | 10.96% |
| Total risk-based capital ratio | 12.21% |
| Tier 1 leverage ratio | 7.49% |
| Equity capital to assets | 7.05% |
| Tangible equity to tangible assets | 7.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.83% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 99.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 19.15% |
| Net interest margin | 4.65% |
| Efficiency ratio | 80.92% |
| Yield on earning assets | 6.54% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.87% |
| Core deposits to total deposits | 95.21% |
| Brokered deposits to total deposits | 3.67% |
| Deposits to assets | 80.54% |
| Securities to assets | 8.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.19% | 15.19% | 16.44% | 9.97% | 0.98% |
| Q4 2023 | 16.16% | 16.16% | 17.42% | 10.61% | 0.88% |
| Q1 2024 | 16.44% | 16.44% | 17.69% | 10.98% | 0.88% |
| Q2 2024 | 15.82% | 15.82% | 17.07% | 10.79% | 1.60% |
| Q3 2024 | 16.40% | 16.40% | 17.66% | 10.70% | 1.30% |
| Q4 2024 | 16.12% | 16.12% | 17.32% | 10.20% | 0.33% |
| Q1 2025 | 15.50% | 15.50% | 16.70% | 9.47% | 0.10% |
| Q2 2025 | 13.43% | 13.43% | 14.51% | 8.99% | 0.10% |
| Q3 2025 | 12.47% | 12.47% | 13.54% | 8.64% | 0.16% |
| Q4 2025 | 11.11% | 11.11% | 12.36% | 7.95% | -0.27% |
| Q1 2026 | 10.96% | 10.96% | 12.21% | 8.03% | -0.03% |
| Q2 2026 | 10.96% | 10.96% | 12.21% | 7.49% | 1.36% |
Portage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)