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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ravenna, OH · FDIC certificate #34760
PORTAGE COMMUNITY BANK is an FDIC-insured institution based in Ravenna, OH (FDIC certificate #34760). In its Q3 2026 Call Report it reported total assets of $562M, total deposits of $500M and net loans of $404M. Its primary federal regulator is FED.
Plain-language readout
PORTAGE COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $562M in Q3 2026 and were lowest at $552M in Q2 2026.
Total deposits were highest at $500M in Q3 2026 and lowest at $490M in Q2 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $562M | $500M | $404M | 1.15% | 11.67% | 3.70% |
| Q2 2026 | $552M | $490M | $397M | 1.06% | 10.68% | 3.61% |
| Q1 2026 | $555M | $493M | $391M | 1.09% | 11.03% | 3.52% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.1M | $26.3M | -$13.2M | -50.3% |
| Federal funds sold | $113K | $0K | +$113K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $115.8M | $111.9M | +$3.9M | +3.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.7M | $696K | +$971K | +139.5% |
| Net loans and leases (after allowance) | $395.7M | $390.4M | +$5.3M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.7M | $6.7M | -$61K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $70K | $70K | $0K | 0.0% |
| All other assets | $19.1M | $19.0M | +$79K | +0.4% |
| Total assets | $552.2M | $555.1M | -$2.9M | -0.5% |
| Liabilities | ||||
| Total deposits | $489.6M | $492.6M | -$3.0M | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $654K | $754K | -$100K | -13.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.5M | $7.2M | +$375K | +5.2% |
| Total liabilities | $497.7M | $500.5M | -$2.7M | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $10.1M | $10.1M | $0K | 0.0% |
| Retained earnings | $48.6M | $48.3M | +$350K | +0.7% |
| Accumulated other comprehensive income | -$6.3M | -$5.8M | -$518K | -9.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $54.5M | $54.6M | -$168K | -0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.1M | -$26K | -2.4% |
| Adjusted nonperforming assets | $1.1M | $1.1M | -$26K | -2.4% |
| Tangible equity plus allowance | $58.4M | $58.4M | +$17K | +0.0% |
| Texas ratio (gross) | 1.84% | 1.89% | -0.05 pts | See points |
| Texas ratio (adjusted) | 1.84% | 1.89% | -0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.84% | 1.89% | -0.05 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.94% | 15.09% | -0.15 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.94% | 15.09% | -0.15 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.02% | 0.99% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.96% | 16.08% | -0.12 pts | See points |
| Tier 1 leverage (approximate) | 10.83% | 10.97% | -0.13 pts | See points |
| Construction and land loans to total capital | 18.41% | 18.48% | -0.07 pts | See points |
| Commercial real estate to total capital | 127.83% | 128.57% | -0.74 pts | See points |
| Dividend payout, year to date | 36.38% | 0.00% | +36.38 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.41% | -12.43% | -0.99 pts | See points |
| Liquidity | ||||
| Core deposits | $466.4M | $470.5M | -$4.1M | -0.9% |
| Non-core funding | $23.8M | $22.9M | +$983K | +4.3% |
| Loans to core deposits | 85.71% | 83.80% | +1.91 pts | See points |
| Loans to deposits | 81.65% | 80.04% | +1.61 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.74% | 40.42% | -3.67 pts | See points |
| Loans pledged, share of loans | 41.17% | 40.82% | +0.35 pts | See points |
| Volatile liabilities | $23.8M | $22.9M | +$983K | +4.3% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.4M | +$2.1M | +89.7% |
| Earnings before provision, single quarter | $2.1M | $2.4M | -$247K | -10.3% |
| Provision for credit losses, year to date | $202K | $0K | +$202K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.94% | 5.86% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.64% | +0.06 pts | See points |
| Total interest income to average assets | 5.10% | 4.97% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.79% | 0.71% | +0.07 pts | See points |
| Cost of savings and money market deposits | 1.85% | 1.88% | -0.04 pts | See points |
| Cost of time deposits | 3.39% | 3.45% | -0.06 pts | See points |
| Total interest expense to average assets | 1.67% | 1.69% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $562M | $500M | $404M | 1.15% | 11.67% | 3.70% |
| 2026-06-30 | $552M | $490M | $397M | 1.06% | 10.68% | 3.61% |
| 2026-03-31 | $555M | $493M | $391M | 1.09% | 11.03% | 3.52% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $461.5M | 0.08% | 62 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.