Side-by-side · Q2 2026 data
Portage Bank vs Pacific Crest Bank
Metric by metric
| Measure | Portage Bank | Pacific Crest Bank |
|---|---|---|
| TellerScore | 44 | 66 (stronger) |
| Capital cushion | 25 | 61 (stronger) |
| Loan quality | 62 | 84 (stronger) |
| Earnings | 48 (stronger) | 44 |
| Funding & liquidity | 21 | 55 (stronger) |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 4th | 31st |
| Total assets | $116.2M | $318.5M |
| Deposits / shares | $93.6M | $239.9M |
| Capital ratio | 7.49% | 11.14% (stronger) |
| Problem loans | 1.13% | 0.47% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.69% (stronger) | 0.59% |
| Loans ÷ deposits | 92.8% (stronger) | 99.7% |
| Uninsured deposits | 56.2% | 20.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Pacific Crest Bank has the higher TellerScore (66 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Portage Bank leads on 3 and Pacific Crest Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.