BlastPoint's Banking Scorecard
Portage Bank
Micro
Specialty: Commercial
WA
FDIC cert 8197
Designations: ✓ Community bank
Bellevue, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Portage Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 2.77% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.26% above tier
- - Loan-to-Deposit Ratio 34.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.8M
+10.2% YoY
+4.2% QoQ
|
-$120.7M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$80.9M
+40.1% YoY
+9.4% QoQ
|
-$58.3M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$74.4M
+5.1% YoY
+6.3% QoQ
|
-$109.3M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.27%
-73.2% YoY
+113.6% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
4.76%
-9.1% YoY
+2.1% QoQ
|
+0.91% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
92.99%
+34.4% YoY
-2.8% QoQ
|
+25.26% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.79%
+46.2% YoY
-8.6% QoQ
|
+1.15% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
108.72%
+33.2% YoY
+3.0% QoQ
|
+34.19% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.96%
+40.0% YoY
+69.0% QoQ
|
+12.57% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
1.49%
+85.9% YoY
-4.0% QoQ
|
+1.04% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
11.42%
-29.2% YoY
-8.4% QoQ
|
+2.57% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
3.33%
+341.0% YoY
+42.3% QoQ
|
+2.77% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.33%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
92.99%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.72%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 3.33% · Tier avg: 0.56%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.96% · Tier avg: 22.39%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.42% · Tier avg: 8.85%
34
34th pctile
Total Loans
Current: $80.9M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $96.8M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.4M · Tier avg: $183.7M
15
15th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.49% · Tier avg: 0.45%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 92.99% · Tier avg: 67.73%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.72% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.72% · Tier avg: 74.53%
7
7th pctile
Efficiency Ratio
Current: 92.99% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.49% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.64%
19
19th pctile
Total Deposits
Current: $74.4M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $96.8M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $80.9M · Tier avg: $139.2M
56
56th pctile
Tier 1 Capital Ratio
Current: 11.42% · Tier avg: 8.85%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 34.96% · Tier avg: 22.39%
98
98th pctile
Non-Interest Income / Assets
Current: 3.33% · Tier avg: 0.56%