BlastPoint's Banking Scorecard

Portage Bank

$100M-$1B Specialty: Commercial WA FDIC cert 8197

Bellevue, WA

3 branches across ID · MN · WA

2664 banks in the $100M-$1B peer group nationally 10 in WA

Portage Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 34.1% in tier
+ Deposit Franchise: Top 46.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 36.7% in tier
- Return on Assets 1.46% below tier average
- Delinquency Rate 0.80% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$113.8M +41.0% YoY +17.7% QoQ	-$272.3M	$386.1M +0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	Bottom 4.1% in tier
Total Loans ?	$85.7M +45.2% YoY +6.2% QoQ	-$170.0M	$255.7M +1.1% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	Bottom 13.9% in tier
Total Deposits ?	$91.6M +43.6% YoY +23.2% QoQ	-$236.3M	$328.0M +0.1% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	Bottom 3.1% in tier
Return on Assets ?	-0.19% -278.4% YoY -260.3% QoQ	-1.46%	1.27% +12.9% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	Bottom 2.7% in tier
Net Interest Margin ?	4.48% +2.6% YoY -6.0% QoQ	+0.55%	3.93% +6.0% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	98.93% +2.1% YoY +6.4% QoQ	+33.64%	65.29% -4.5% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	Bottom 2.7% in tier
Delinquency Rate ?	1.69% -5.8% QoQ	+0.80%	0.89% +18.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	93.51% +1.1% YoY -13.8% QoQ	+16.87%	76.64% +0.8% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	48.92% +187.3% YoY +39.9% QoQ	+26.90%	22.02% -1.0% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	Top 1.7% in tier
Nonperforming Asset Ratio ?	1.27% -15.1% QoQ	+0.63%	0.64% +19.7% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	Bottom 14.8% in tier
Tier 1 Capital Ratio ?	11.60% -25.2% YoY +3.3% QoQ	-4.23%	15.83% +1.5% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.74% -11.5% YoY -77.7% QoQ	+0.46%	0.28% +9.3% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	Top 2.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#228 of 666 • Top 34.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.74%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: -0.19%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#126 of 272 • Top 46.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 48.92%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.48%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (1)

Efficiency Drag

risk

#153 of 414 • Bottom 36.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 98.93%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 48.92%

Peer Median: 22.02%

#47 of 2664 Top 1.7% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.74%

Peer Median: 0.28%

#58 of 2664 Top 2.1% in $100M-$1B

501

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.93%

#501 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (8 metrics)

2594

Return on Assets

profitability

Value: -0.19%

Peer Median: 1.27%

#2594 of 2664 Bottom 2.7% in $100M-$1B

2593

Efficiency Ratio

profitability

Value: 98.93%

Peer Median: 65.29%

#2593 of 2664 Bottom 2.7% in $100M-$1B

2582

Total Deposits

size

Value: $91.62M

Peer Median: $327.97M

#2582 of 2664 Bottom 3.1% in $100M-$1B

2556

Total Assets

size

Value: $113.78M

Peer Median: $386.08M

#2556 of 2664 Bottom 4.1% in $100M-$1B

2294

Total Loans

size

Value: $85.68M

Peer Median: $255.72M

#2294 of 2664 Bottom 13.9% in $100M-$1B

2272

Nonperforming Asset Ratio

credit_quality

Value: 1.27%

Peer Median: 0.64%

#2272 of 2664 Bottom 14.8% in $100M-$1B

2237

Delinquency Rate

credit_quality

Value: 1.69%

Peer Median: 0.89%

#2237 of 2654 Bottom 15.7% in $100M-$1B

2204

Loan-to-Deposit Ratio

liquidity

Value: 93.51%

Peer Median: 76.64%

#2204 of 2664 Bottom 17.3% in $100M-$1B