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Portage Bank

IDRSSD: 401951
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #401951 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.0% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -47

The five pillars

Liquidity

StableQoQ -2
63
Sub-score

Liquidity is stable: brokered 13.2%, loans/deposits 105.6%, cash 5.3% of assets.

Cash / Assets
5.34%
Loans / Deposits
105.57%
Brokered %
13.24%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.62%
No watch items at this period.

Capitalization

StableQoQ -10
78
Sub-score

Capital position is stable: Tier 1 RBC 12.47%, CET1 12.47%, leverage 8.64%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
8.64%
No watch items at this period.

Asset Quality

StrongQoQ -4
86
Sub-score

Asset quality is strong: Adjusted NPL 1.95%, Texas Ratio 16.6%, NCO YTD -0.02%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
16.6%
NCO YTD
-0.02%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -47
21
Sub-score

Reserves are weak: ALLL 0.89% of loans, coverage 46.0%, true coverage 46.0%.

ALLL / Loans
0.89%
Coverage
46.0%
True Loss Coverage
46.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 15:02:17 UTC