FDIC Cert #8197 · Bellevue, Washington · Est. 1901

Portage Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$97M
Total assets
D
Health grade · Weak
0.12%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

Portage Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 11.23% Tier 1, 0.12% ROA, 93% efficiency ratio.

#3,763
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
11.23%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 8197 · WA D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4204/4307
  • PHOTO-FINISH State Savings Bank · MI
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-HEALTHY 16.4% Texas
  • ROA-THIN 0.12% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: State Savings Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Portage Bank

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Tri County Bank · NE ·…45/100Portage Bank · WA · this bank45/100State Savings Bank · MI · ne…45/100The Blue Grass Valle… · VA ·…45/100UNB Bank · PA · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Portage Bank · July 2026

Call Report read for Portage Bank in a high-failure state

Portage Bank (FDIC Cert #8197) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,204 of 4,307. Tier 1 capital prints at 11.23%, clearing the 10% well-capitalized line. The Texas Ratio is 16.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.12%. Balance-sheet scale is $97M, 3,763rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Savings Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Portage Bank

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Portage Bank sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Portage Bank's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How Portage Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Portage Bank's composite health score
Tier 1 Capital Ratio (11.23%) 28/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (16.44%) 10/20
Efficiency Ratio (92.99%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$97M

Total balance-sheet footings

Total Deposits

$74M

Customer-funded liabilities

Net Loans

$81M

Outstanding loan book

Net Income

$103K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.83% 11.23% 12.63%
Basel III capital ratios - Portage Bank

Where Portage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Portage Bank's score of 45/100 falls in the highlighted band.

Portage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Portage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Portage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Portage Bank's $97M falls in the highlighted band.

Capital & credit buffers at Portage Bank

Tier 1 capital ratio
Well-capitalized 10%

11.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.23%
Texas Ratio
16.44%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Portage Bank

Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.32%
Efficiency Ratio
92.99%

What these mean →

Income & expense at Portage Bank

$6M
Interest Income
$3M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Portage Bank reports a Texas Ratio of 16.44% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Portage Bank

Portage Bank's grade of D reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Portage Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Portage Bank on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($97M here), outside Washington so the neighborhood is not state containment.

Mayville State Bank $97M · MI The First National Bank of Hebbronvil… $97M · TX Bank of Calhoun County $97M · IL The Old Exchange National Bank of Oka… $96M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Portage Bank (FDIC Cert #8197) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Portage Bank Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%