Portage Community Bank
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
$552.2MAssets
$401.4MLoans
$489.6MDeposits
$54.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: net interest margin trails 69% of banks under $1B in assets operating in a single state (rank 516 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.6M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |