PORTAGE COMMUNITY BANK
PORTAGE COMMUNITY BANK is an FDIC-insured commercial bank headquartered in RAVENNA, OH, established in 1998. As of , 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 3.40%. CET1 capital ratio: 14.72%, well above regulatory minimums. NPL ratio: 0.28% · Texas Ratio: 1.97%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Portage Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.72% | 0.90% | 0.28% | 1.97% | 3.40% |
| 2025-09-30 | 14.74% | 1.28% | 0.29% | 2.07% | 3.44% |
| 2025-06-30 | 14.54% | 0.82% | 0.31% | 2.25% | 3.23% |
| 2025-03-31 | 14.75% | 0.74% | 0.32% | 2.33% | 2.99% |
| 2024-12-31 | 14.83% | 0.80% | 0.40% | 2.92% | 2.93% |
| 2024-09-30 | 14.88% | 0.78% | 0.37% | 2.61% | 2.86% |
| 2024-06-30 | 14.59% | 0.66% | 0.37% | 2.81% | 2.85% |
| 2024-03-31 | 14.74% | 0.54% | 0.40% | 3.08% | 2.75% |
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Frequently asked about PORTAGE COMMUNITY BANK
What are Portage Community Bank's total assets?
As of the Q4 2025 filing, Portage Community Bank reported total assets of $533.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Portage Community Bank headquartered?
Portage Community Bank is headquartered in RAVENNA, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Portage Community Bank founded?
Portage Community Bank was established in 1998, per the FDIC institution directory.
Is Portage Community Bank FDIC-insured?
Yes. Portage Community Bank is an FDIC-insured commercial bank (FDIC Certificate #34760). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Portage Community Bank?
Portage Community Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Portage Community Bank's CET1 capital ratio?
Portage Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.72% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Portage Community Bank operate?
Portage Community Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Portage Community Bank's Texas Ratio?
Portage Community Bank's Texas Ratio is 1.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.