PORTAGE COMMUNITY BANK

RAVENNA, OH | Medium | Est. July 1, 1998, midnight | FDIC #34760 | RSSD #2668598 | FED
Latest Report: 2025-12-31

PORTAGE COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in RAVENNA, OH, established in July 1, 1998, midnight. As of 2025-12-31, the bank reported total assets of $533M and total deposits of $468M. Profitability stands at 0.90% ROA and 9.08% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 14.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.97%. FDIC Certificate #34760.

Assets

$533M

Deposits

$468M

Loans

$398M

Equity

$53M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.08%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.51%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.97%
NPA Ratio 0.21%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 14.72%
Tier 1 Capital 14.72%
Total Capital Ratio 15.70%
Leverage Ratio 10.92%
Loan-to-Deposit 85.07%

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