The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 6 points (50 → 44), mostly because the earnings component improved by 24 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Washington

Yes. Portage Bank is an FDIC-insured institution (FDIC certificate #8197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 56.2% of deposits ($52.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.21% (benchmark: 10%).

Check how much of your own balance is covered

Portage Bank lists 2 offices in 2 cities across 2 states. Most locations:

• Bellevue, WA (1)
• Ceylon, MN (1)

All branch addresses and map

In 2025, Portage Bank reported 390 home-loan applications under HMDA (LEI 254900VGVHD3B82JEV95): 263 originated ($84,915,000 total), 35 denied, and 91 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Portage Bank

Former names

State Bank of Ceylon

Type

State-chartered bank

FDIC certificate #

8197

RSSD ID

401951

Primary regulator

FDIC

Holding company

Portage Bancshares Inc

Established

April 1, 1901

Headquarters

880 108th Avenue Ne, Bellevue, WA 98004

Website

www.portage.bank

Employees

41