Portrait Bank
Portrait Bank is an FDIC-insured commercial bank headquartered in Winter Park, FL, supervised by the FDIC, with $56.6M in total assets at Q3 2026, the 79th largest of 81 banks headquartered in Florida. It was established in 2026 and holds FDIC certificate 59381.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59381
- Headquarters
- Winter Park, FL
- Established
- 2026
- Total assets, Q3 2026
- $56.6M
- Capital ratio
- Not reported
- Domestic offices
- 1 branch
- Routing number
- 063117202
- Latest call report
- Q3 2026, FFIEC 051 · Portrait Bank call report
- Asset rank in state
- 79th of 81 in Florida
Portrait Bank, based in Winter Park, Florida, reported $57 million in assets at September 30, 2026. It is losing 10.4% a year on shareholders' equity, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 8.8%). It also pays an average of 3.37% on its deposits and borrowings, about double the median of 1.58% for banks its size.
It lost $1.1 million in the quarter. Its margin is thin by comparison: it keeps 3.30 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.99 cents).
As of September 30, 2026, Portrait Bank reported a return on assets of -8.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Portrait Bank is the 79th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets rose 26.6% to $56.6M, deposits rose 2115.3%. Owner-occupied commercial real estate loans made up 58.9% of its total loans on September 30, 2026, its largest category; next came other consumer loans at 43.1%. The FDIC Summary of Deposits lists a single office for it, in Winter Park, FL. By the capital ratios in its Q3 2026 call report, Portrait Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 941 W Morse Blvd, Winter Park, FL 32789
- County
- Orange
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 22, 2026
- Domestic offices
- 1 branch
- Employees (FTE)
- 27
- Domestic deposits
- $13.2M
- Allowance for credit losses
- $9K
- Net charge-offs (YTD)
- $0
- Average total assets
- $50.6M
- Average total loans
- $92K
- Average interest-bearing deposits
- $6.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 22, 2026
- FDIC Cert
- 59381
- Fed RSSD
- 6075729
- Website
- www.portraitbank.com →
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Portrait Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Inside the full Portrait Bank terminal
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View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Portrait Bank (main office) | Winter Park , FL | 32789 | $594K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 183 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Portrait Bank
What are Portrait Bank's total assets?
As of the Q3 2026 filing, Portrait Bank reported total assets of $56.6 million in its FFIEC call report.
Where is Portrait Bank headquartered?
It is headquartered in Winter Park, FL, United States.
When was Portrait Bank founded?
It was established in 2026, per the FDIC institution directory.
Is Portrait Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Portrait Bank?
Portrait Bank's primary federal regulator is the FDIC.
How many branches does Portrait Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Portrait Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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