Ravenna, OH · Cert 34760 · Portage Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
81
Profitability
44
Liquidity
83
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ravenna, OH · Cert 34760 · Portage Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Akron, OH · 2026 SOD (annual) · 2.5% share · #9 of 24 inst. · $0.5B of $19.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.70% | 0.74% | 0.78% | 0.95% | 0.94% | 1.09% | 1.06% | +27 bps | |
| Return on Equity | 7.45% | 7.81% | 8.05% | 8.47% | 10.10% | 9.84% | 11.03% | 10.68% | +221 bps | |
| Net Interest Margin | 2.64% | 2.68% | 2.83% | 2.93% | 3.03% | 3.04% | 3.28% | 3.33% | +40 bps | |
| Efficiency Ratio | 73.94% | 72.52% | 72.43% | 70.43% | 65.98% | 64.79% | 57.60% | 59.14% | -1,129 bps | |
| Non-Interest Burden | 1.83% | 1.82% | 1.93% | 1.93% | 1.84% | 1.80% | 1.55% | 1.71% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 2.46% | 2.37% | 1.46% | 0.98% | 3.99% | 6.64% | 6.70% | +524 bps | |
| Loan Growth (YoY) | 5.31% | 3.13% | 2.79% | 3.09% | 7.08% | 6.97% | 5.51% | 5.63% | +254 bps | |
| Deposit Growth (YoY) | 4.86% | 3.86% | 2.74% | 1.65% | -0.52% | 3.60% | 6.90% | 6.08% | +443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.43% | 0.32% | 0.34% | 0.30% | 0.28% | 0.28% | 0.27% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.93% | 0.96% | 0.93% | 0.96% | 0.97% | 1.00% | +4 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.1x | 2.9x | 2.8x | 3.1x | 3.4x | 3.5x | 3.7x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.63% | 10.70% | 10.70% | 10.95% | 10.92% | 10.97% | 10.83% | +13 bps | |
| Total Risk-Based Capital | 15.82% | 15.78% | 15.71% | 15.51% | 15.71% | 15.70% | 16.08% | 15.96% | +45 bps | |
| Equity / Assets | 9.27% | 9.17% | 9.22% | 9.35% | 9.86% | 9.95% | 9.84% | 9.86% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.62% | 82.39% | 81.24% | 82.34% | 85.70% | 85.07% | 80.18% | 81.99% | -35 bps | |
| Liquid Assets / Assets | 2.98% | 0.87% | 3.09% | 1.56% | 1.37% | 1.17% | 4.37% | 1.96% | +40 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 250% | 249% | n/a | n/a | |
Ravenna, OH · Cert 34760 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Portage Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.05%
Rank 384 of 746
Net Interest Margin
3.33%
Rank 516 of 746
Efficiency Ratio
59.14%
Rank 267 of 746
Equity / Assets
9.86%
Rank 448 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.72% | 1.06% | 1.45% | Beats 49% | 384 / 746 | ||
| Return on Equity | 10.60% | 6.74% | 10.51% | 13.63% | Beats 51% | 367 / 746 | ||
| Net Interest Margin | 3.33% | 3.17% | 3.68% | 4.16% | Beats 31% | 516 / 746 | ||
| Efficiency Ratio | 59.14% | 55.74% | 64.58% | 75.47% | Beats 64% | 267 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 293 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.94% | 11.55% | 13.75% | 17.60% | Beats 61% | 292 / 746 | ||
| Total Risk-Based Capital Ratio | 15.96% | 11.71% | 14.33% | 18.43% | Beats 63% | 276 / 746 | ||
| Equity / Assets | 9.86% | 8.90% | 10.51% | 13.06% | Beats 40% | 448 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.99% | 61.31% | 78.27% | 90.78% | 58th pctl | 316 / 746 | ||
| Loans / Assets | 72.69% | 53.60% | 66.97% | 76.08% | 65th pctl | 263 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||