Portrait Bank

Headquarters: Winter Park, Florida
Charter: Bank
Assets: $44.7M
Fed district: Atlanta
Regulator: FDIC

Explore Hamilton View published fees

Compared with Florida

6 of 13

compared fees are above the median.

2 below, 5 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not reported
Peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 13 compared; 2 below, 5 about the same
See the fees
Fee schedule read Oct 8, 2026

How these figures are measured

Call-report figures are for Portrait Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,682 banks with under $300M in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Florida median	Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Portrait Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Service-charge income by quarter

Q2 2026 to Q2 2026, standalone quarters

Fewer than two quarters on file.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Portrait Bank (bank level, not the holding company)
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

6 of 13 compared published fees sit above the Florida median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Florida medians for fees published by banks and credit unions.

NSF / Returned Item
Portrait Bank: $35
Portrait Bank: $35
Florida median: $3082 publishAtlanta district median: $30337 publishU.S. median: $302,859 publish
Overdraft (OD)
Portrait Bank: $35
Portrait Bank: $35
Florida median: $3073 publishAtlanta district median: $30315 publishU.S. median: $302,600 publish
Wire Transfer (Domestic Out)
Compared at $30, the middle of its prices
Portrait Bank: $10 to $50
Portrait Bank: $10 to $50
Florida median: $2576 publishAtlanta district median: $20269 publishU.S. median: $252,630 publish

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was $0 in Q2 2026.

Service-charge income, Q2 2026

Against the median (FL for fees)

Overdraft$35 / $30

Portrait BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Do waivers and balance requirements change what most customers actually pay?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Portrait Bank · $45M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$34M to $55M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Portrait Bank(this institution)	Winter Park, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
1st Bank in Hominy	Hominy, OK	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Avana Bank	Abilene, TX	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Brewton	Brewton, AL	$50M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank Of Jackson Hole Trust	Jackson, WY	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Mead	Mead, NE	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Carrollton Federal Bank	Carrollton, KY	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank	Carleton, NE	$36M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community National Bank in Monmouth	Monmouth, IL	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Bank	Clarinda, IA	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cottonwood Valley Bank	Cedar Point, KS	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farmers State Bank	Pine Bluffs, WY	$35M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First American Bank	Stonewall, OK	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gala Bank	Ocala, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kindred State Bank	Kindred, ND	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lamont Bank of St. John	Saint John, WA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
North Side Federal Savings and Loan Association of Chicago	Chicago, IL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Richton Bank & Trust Company	Richton, MS	$52M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Second Federal Savings and Loan Association of Philadelphia	Philadelphia, PA	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank of Lake Park	Lake Park, MN	$47M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State National Bank	Groom, TX	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Talbot State Bank	Woodland, GA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Mer Rouge State Bank	Mer Rouge, LA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The State Exchange Bank	Mankato, KS	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Washita State Bank	Burns Flat, OK	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Portrait Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.25 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Portrait Bank does not publish a monthly maintenance fee, so it is not on this chart.

Portrait BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Portrait Bank (bank level, not the holding company). Income lines are standalone quarters.

Fewer than two quarters of call reports on file.

Service-charge share against its size cohort

Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,682 reported a share above 0% and are counted, Portrait Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Portrait Bank: Not reported
Percentile: Not reported
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,682)

The 15 closest to Portrait Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Portrait Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closed within 90 days$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Dormant Account Fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Paper Statement Fee$3
Inside the U.S. middle 50% ($2 to $4.98 nationally)
Returned Mail Fee$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

Overdraft Item Fee$35
Above the U.S. middle 50% ($25 to $33 nationally)
per item
NSF Returned Item Fee$35
Above the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Debit Card Expedited Fee$25
Below the U.S. middle 50% ($30 to $50 nationally)

Wire Transfers

Outgoing Wire Fee$30
Above the U.S. middle 50% ($20 to $25 nationally)
Outgoing Wire Fee$50
Above the U.S. middle 50% ($20 to $25 nationally)
Wire Transfers – (Domestic)$10
Below the U.S. middle 50% ($20 to $25 nationally)
Incoming Wire Fee$30
Above the U.S. middle 50% ($5 to $15 nationally)

Check Services

Cashier's Checks (customers)$5
Inside the U.S. middle 50% ($3 to $6 nationally)
Stop Payment$32
Above the U.S. middle 50% ($20 to $30 nationally)

Cash & Deposit

Returned Deposit Fee$25
Inside the U.S. middle 50% ($9 to $25 nationally)
Returned Deposit Fee$12
Inside the U.S. middle 50% ($9 to $25 nationally)

Other Fees

Duplicate Statement mailed to others$5
Inside the U.S. middle 50% ($2 to $5 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 days	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Dormant Account Fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Paper Statement Fee	$3Inside the U.S. middle 50% ($2 to $4.98 nationally)	Not stated	None
Returned Mail Fee	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Overdraft Item Fee	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
NSF Returned Item Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Debit Card Expedited Fee	$25Below the U.S. middle 50% ($30 to $50 nationally)	Not stated	None
Wire Transfers
Outgoing Wire Fee	$30Above the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Outgoing Wire Fee	$50Above the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfers – (Domestic)	$10Below the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Incoming Wire Fee	$30Above the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Check Services
Cashier's Checks (customers)	$5Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Stop Payment	$32Above the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Cash & Deposit
Returned Deposit Fee	$25Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Returned Deposit Fee	$12Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Other Fees
Duplicate Statement mailed to others	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Correct a fee source

Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Portrait Bank operates, and what regulators and customers have on file.

Branch footprint

1 offices in 1 state, $594K in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$594K

Orlando-Kissimmee-Sanford, FL

0% of bank deposits, #46 of 49, unchanged over five years.

Largest competitors here	Deposit share
Truist Bank	19.1%
Bank of America, National Association	17.7%
JPMorgan Chase Bank, National Association	14.3%
Wells Fargo Bank, National Association	13.6%
Regions Bank	4.3%

Fees in Winter Park →

Source: FDIC Summary of Deposits, 2026 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Orlando-Kissimmee-Sanford, FL, Portrait Bank holds 0% of bank deposits, #46 of 49, with 1 office.

Compare fees with the 52 Orlando-Kissimmee-Sanford, FL banks and credit unions in its home-metro peer set →

Offices in the metro

586 offices of 72 institutions shown.

Portrait BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Orlando-Kissimmee-Sanford, FL metro (FDIC metro code 36740), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 17 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Truist Bank19.1%
2Bank of America, National Association17.7%
3JPMorgan Chase Bank, National Association14.3%
4Wells Fargo Bank, National Association13.6%
5Regions Bank4.3%
6Fifth Third Bank, National Association3.7%
7Seacoast National Bank3.2%
8One Florida Bank2.6%
46Portrait Bank0.0%

9 of 49 institutions shown. $68.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Orlando-Kissimmee-Sanford, FL metro (FDIC metro code 36740)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time

Only the 2026 survey has Portrait Bank in this metro, so there is no trend to show.

Credit unions, reported separately

137 offices of 26 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Get an email when Portrait Bank's safe deposit box changes in our data

We check once a day and send one email covering every change.