Portrait Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Portrait Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $696K in Q3 2026. That is 1.2% of its total assets.
Loan-to-deposit ratio climbed 5.29 percentage points in Q3 2026, from 0.00% to 5.29%. It was the largest change from Q2 2026 among the key lines here. Portrait Bank has the 2nd lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 5.29% as of Q3 2026. Portrait Bank's loan-to-deposit ratio of 5.29% is well below the 68.95% median for banks in the < $100M asset tier, a gap of 63.66 points (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $696K |
| Net loans and leases | $687K |
| Loans held for sale | $0 |
| Loans to total assets | 1.23% |
| Loan-to-deposit ratio | 5.29% |
| Net loans to equity capital | 0.02× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 42.25% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 8.70% |
| Interest income on loans | $2K |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | CRE to capital | Construction and development to capital |
|---|---|---|---|---|
| Q2 2026 | $0 | $594K | 0.00% | 0.00% |
| Q3 2026 | $696K | $13.2M | 0.00% | 0.00% |
Portrait Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Portrait Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59381) · FFIEC NIC profile (RSSD 6075729)