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 | |