Portrait Bank: Yields and Funding Costs
BankRegReports is independent of Portrait Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, Portrait Bank reported 10 of the 12 line items on this page. It did not report yield on securities and cost of borrowings. Yield on earning assets was 3.81% in Q3 2026.
Net interest margin climbed 2.99 percentage points in Q3 2026, from 0.31% to 3.30%. It was the largest change from Q2 2026 among the key lines here. Portrait Bank ranks 67th of 81 Florida banks on net interest margin, in the lower half at 3.30% (Q3 2026). The median for banks in the < $100M asset tier is 3.95% on net interest margin. Portrait Bank sits 0.65 points lower, at 3.30% (Q3 2026).
Asset yields
Largest change in this table: yield on earning assets, up 3.49 points to 3.81% in Q3 2026 after 0.32% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 3.81% |
| Yield on loans | 8.70% |
| Yield on securities | — |
Get an email when Portrait Bank files its next quarter, and see its yields and funding costs against peers in the terminal. Free account, no card.
Funding costs
Cost of funds changed the most here, up 2.67 points to 3.37% in Q3 2026 from 0.70% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.37% |
| Cost of interest-bearing deposits | 3.65% |
| Cost of interest-bearing liabilities | 3.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.30% |
| Yield to cost spread | 0.16% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $2K |
| Total interest expense | $59K |
| Interest expense on deposits | $59K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q2 2026 | 0.32% | 0.70% | 0.31% |
| Q3 2026 | 3.81% | 3.37% | 3.30% |
Portrait Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)