Side-by-side · Q2 2026 data
Portage Bank vs Beal Bank USA
Metric by metric
| Measure | Portage Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 44 | 80 (stronger) |
| Capital cushion | 25 | 100 (stronger) |
| Loan quality | 62 | 74 (stronger) |
| Earnings | 48 | 100 (stronger) |
| Funding & liquidity | 21 (stronger) | 15 |
| Problem-loan coverage | 78 | 97 (stronger) |
| Peer percentile | 4th | 96th |
| Total assets | $116.2M | $11.0B |
| Deposits / shares | $93.6M | $1.7B |
| Capital ratio | 7.49% | 21.89% (stronger) |
| Problem loans | 1.13% | 0.78% (stronger) |
| Net charge-offs | -0.00% | -4.75% (stronger) |
| Return on assets | 0.69% | 8.19% (stronger) |
| Loans ÷ deposits | 92.8% (stronger) | 235.7% |
| Uninsured deposits | 56.2% | 46.6% (stronger) |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Beal Bank USA has the higher TellerScore (80 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Portage Bank leads on 1 and Beal Bank USA on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.