# PORTRAIT BANK
WINTER PARK, FL · FDIC certificate 59381 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $44.7M | |
| Deposits | $594,000 | |
| Loans and leases | $0 | |
| Total equity | $41.5M | |
| Loans / deposits | 0.00% (p2 of band) | 73.59% |
| Liquid assets / assets | 90.31% (p98 of band) | |
| Uninsured deposits / deposits | 18.52% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 99.23% (p99 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -8.27% (p1 of band) | 1.17% |
| Net interest margin | 0.15% (p0 of band) | 3.93% |
| Efficiency ratio | 8077.42% (p100 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2026-06 | 3 | losing money, expense ratio p90, NIM <2.5% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [People to Know in Banking & Finance: Erik Weiner - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUlVaWHFWcFNKSk1vZUhQWUlwUTkxVXZYQUNpVHc3XzZ5b0JpTlNjNEN6WXRqcEhjbG5YQUxYZ3ZrcHEwYk9iT0dsNVBoV2trbjVRV1ZvTFVpdmxzUEpLY0Fjd0FoYlowWnNMeVIzRnMybEF0UGJsMFZILUl4Vzc4WExTNHN5UDE0SVJKcUxDTWNmaVpEcUlydUFnMFVyMHFQbDZfcEZDWQ?oc=5) · The Business Journals
- 2026-04-09 [Florida de novo gets FDIC’s conditional approval - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQX2hIZnNRaVdsNXNfQkZEQkN2cFBSaUNyRlhZNjNFcUVLTTc5VkRPM3pScUJ0TzRWVEdRV1BMSDhrVC1kUGZhaU9CRmlxQmRoOFlQMFN2R0pDNy1JdWk5eXMyaHY2QkpIMWp1V1F6bG1FNVhELTNFUkhBdndWajAwcGM3cXVaOWc0UWRz?oc=5) · Banking Dive
- 2026-06-29 [Portrait Bank Earns Coveted State Charter Ahead of Upcoming Grand Opening - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNMklrTlNHWFdPazdwYW1hdzRKZFZWR3pkX1VzTXMwZ1BQWXpQc2JxaWlwNDhld01OWmJ6b2JJa3RNSWNZdWk0emJwLUtyaGQ1MjNWN1AxU05hTndzNzloZXR3VDZFdGI5VWs4THZpaWhlTDFLQTl1X0I4SXFGT19QNGVjRWwxcHVUMVpFNVdwZXJZWGJiY0RLN2JkRDVFdTl3RHRMSHVmLVk1UUM4dlBEWVlpWGc5WHNoNmhiaVptcTZYTFVUcGduRWI4UXNhN1R4ZG1SNmZHQ1BLcWlOZ3c?oc=5) · GlobeNewswire
- 2026-05-04 [How a New Florida Charter Plans to Take on Banks — by Being a Traditional Community Bank - The Financial Brand](https://news.google.com/rss/articles/CBMinwFBVV95cUxOYnp4OUZHREdqbGk4aWljV1N6TlNrVTltckRvZGN5alZKN3RETDEtWTBNRzBlVm5zeElkcU93QTZ0NDZKaTlyZWJEb2hKYmpBYmxRcmVtcDVHckY4ZFY2TlhLYkVoaGt0QVhidUNNR3lZbGxIUHlWRDFieGRrOHNYSzVDNUdaazRINTVfZTNHcGJXZmViQUlLdXJwU08wdWc?oc=5) · The Financial Brand
- 2026-04-08 [Florida de novo group set to exit the starting blocks - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZnNldDJ3NTVobktLU25HX0I3R3FhSjFGSEt6bzNjUnVabXRCVlJVMWM4OXhYWktfSzdXS3V4SW1uRUpVZXJLY1RqMmV4R1BJaGJYSUZxX1NFSUhsVk16a0RsRVdlcUlXOUVDMlM0UUZIdmJtZ1E5M3RIdWt4VTg1R1JOWDRhcFNhNWJHWDFOUjVtRDg?oc=5) · American Banker
- 2026-04-27 [Picture This - Florida Trend](https://news.google.com/rss/articles/CBMib0FVX3lxTE9CYmNkVDlQWUZPSWZwUnVPdG1RWEdla1NBdnk2NEZlaVBlSlNNai1yeVVVMEV2RW9SejZ3UWdCZ3RHSUJGanR3R0VpRFVfUFVEMXNLOWxSMVdJQk0tUnU5QWF4LTZFVW5GN2xfUGtSbw?oc=5) · Florida Trend
- 2026-06-29 [Central Florida's first new community bank in nearly a decade wins charter after raising $43M - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVi1OVEVmMXM0T2paWl9tV0hydkpjOFZOenNLT3k5SnFFMzlrQ2tqS1YwOVIyUl82Q01nU1JqQVEtVXdiTzliZHRHMVRuQTd2NU1rRW1NQmJIQ2c0aGNhb3ZDVmRIMnZvM2Uzc1lzVnNmdUxtS2xERWVBY09WVllnN3IzRnJ2ampOTC1PZ1VDSHdiQkZ2NlF0R21GRmtDc0RkSkU2cDlHMnk?oc=5) · The Business Journals
- 2026-05-05 [Portrait Bank Names Local and Industry Leaders to its Board of Directors Ahead of Launch - GlobeNewswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPMVpaZHBaMkJjLXVyc0F3cnpVSS1tdXg0LWlYNV9IbFhSNENRZnZFSlVfV1V3SWRpSlZiUmtJREJfRURudERZcHQyNjN2bVlIQm5sSHBHQ01RUEJOTlJvR3BVUUJER0swYy1vUUZzOGtVVkJRbFI3VXdTQkdDTDlMZVBhLVNNOFg2X25Gc0xOekFxOVJsRVc5MWdBdjZUUUZ3NXE5QnZLUzNHMHllWUJsWWE3azZtWUNIZmhOdEduOVlselFObWltckNkbnh5WGI2QmhDekVyWUhudUw0QkUyTlhHUm1JdGJfZmhJRndPOU56Zw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59381 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "59381", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide