Portage Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Portage Community Bank is an FDIC-insured commercial bank headquartered in Ravenna, OH, established in 1998 (FDIC certificate 34760), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $552.2M, up 6.7% from Q2 2025, the 52nd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.94% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34760
- Headquarters
- Ravenna, OH
- Established
- 1998
- Total assets, Q2 2026
- $552.2M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 14.94%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 041215498
- Latest call report
- Q2 2026, FFIEC 051 · Portage Community Bank call report
- Holding company
- PORTAGE BANCSHARES, INC.
- Asset rank in state
- 52nd of 154 in Ohio
Little in Portage Community Bank's latest call report stands out. It reported $552 million in assets at June 30, 2026, up 6.7% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.4 million, 31% above the same quarter a year earlier.
As of June 30, 2026, Portage Community Bank reported a CET1 capital ratio of 14.94%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Portage Community Bank is the 52nd largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $552.2M, loans rose 1.6% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OH; its Ravenna office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Portage Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1311 E Main St, Ravenna, OH 44266
- County
- Portage
- Metro Area
- Akron, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1998
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $489.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $559.9M
- Average total loans
- $396.3M
- Average interest-bearing deposits
- $396.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1998
- FDIC Cert
- 34760
- Fed RSSD
- 2668598
- Website
- www.portagecommunity.bank →
- Parent Holding Company
- PORTAGE BANCSHARES, INC. (RSSD 2668589)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Portage Community Bank's total assets moved between a low of $492.8M (Q3 2023) and a high of $555.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$552.2M total assets against $517.5M; $497.7M total liabilities against $469.1M.
$397.4M net loans and leases against $376.4M; $489.6M total deposits against $461.5M.
$115.8M securities against $103.0M; $13.2M cash and balances due against $11.0M.
$7.1M total interest income against $6.3M; $2.3M total interest expense against $2.3M.
$4.8M net interest income against $4.0M.
$647K total noninterest income against $628K; $3.3M total noninterest expense against $3.2M.
$202K provision for credit losses against $140K.
$1.4M net income against $1.1M.
1.00% return on assets against 0.81%; 3.67% net interest margin against 3.30%.
14.94% CET1 capital ratio against 14.54%; 10.83% tier 1 leverage ratio against 10.70%.
Inside the full Portage Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePortage Community Bank rankings
Its closest position to the top of a national ranking is 1,655 of 4,196, for total assets; its furthest is 2,508 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.73% (Q1 2025) to 1.26% (Q3 2025) and its net interest margin ran from 2.94% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.94% | 1.00% | 0.27% | 1.84% | 3.67% |
| Q1 2026 | 15.09% | 1.08% | 0.28% | 1.89% | 3.51% |
| Q4 2025 | 14.72% | 0.88% | 0.28% | 1.97% | 3.48% |
| Q3 2025 | 14.74% | 1.26% | 0.30% | 2.14% | 3.52% |
| Q2 2025 | 14.54% | 0.81% | 0.34% | 2.49% | 3.30% |
| Q1 2025 | 14.75% | 0.73% | 0.32% | 2.33% | 3.08% |
| Q4 2024 | 14.83% | 0.78% | 0.43% | 3.20% | 3.01% |
| Q3 2024 | 14.88% | 0.76% | 0.41% | 2.92% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Portage Community Bank (main office) | Ravenna , OH | 44266 | $257.9M |
| Kent Office | Kent , OH | 44240 | $96.8M |
| Cuyahoga Falls Office Branch | Cuyahoga Falls , OH | 44221 | $92.4M |
| Rootstown Office Branch | Rootstown , OH | 44272 | $42.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 9, 2014, Federal Reserve: Civil Money Penalty, $4,640: Portage Community Bank, Ravenna, Ohio
- Period: Most recent institution action September 9, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 62 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $227K approved, $113K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Portage Community Bank
What are Portage Community Bank's total assets?
As of the Q2 2026 filing, Portage Community Bank reported total assets of $552.2 million in its FFIEC call report.
Where is Portage Community Bank headquartered?
It is headquartered in Ravenna, OH, United States.
When was Portage Community Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Portage Community Bank FDIC-insured?
Yes. It 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 Federal Reserve.
What is Portage Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Portage Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Portage Community Bank's Texas Ratio?
Its Texas Ratio is 1.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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