Portage Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 9.0% in Q2 2026, from -$5.8M to -$6.3M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Portage Community Bank is 37th of 84 on CET1 ratio, 14.94% as of Q2 2026, above the middle of the field. At 14.94%, Portage Community Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 10.83% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $60.7M |
| Tier 1 capital | $60.7M |
| Total risk-based capital | $64.8M |
| Total equity capital | $54.5M |
| Risk-weighted assets | $406.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.86% |
| Tangible equity to tangible assets | 9.85% |
| Equity capital to average assets | 9.72% |
| Internal capital growth rate | 2.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $10.1M |
| Retained earnings | $48.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.95% | 14.95% | 15.87% | 10.44% | $351.0M |
| Q4 2023 | 14.70% | 14.70% | 15.62% | 10.50% | $362.3M |
| Q1 2024 | 14.74% | 14.74% | 15.67% | 10.54% | $366.0M |
| Q2 2024 | 14.59% | 14.59% | 15.53% | 10.32% | $370.9M |
| Q3 2024 | 14.88% | 14.88% | 15.82% | 10.43% | $370.3M |
| Q4 2024 | 14.83% | 14.83% | 15.78% | 10.63% | $376.9M |
| Q1 2025 | 14.75% | 14.75% | 15.71% | 10.70% | $378.5M |
| Q2 2025 | 14.54% | 14.54% | 15.51% | 10.70% | $386.6M |
| Q3 2025 | 14.74% | 14.74% | 15.71% | 10.95% | $392.6M |
| Q4 2025 | 14.72% | 14.72% | 15.70% | 10.92% | $399.7M |
| Q1 2026 | 15.09% | 15.09% | 16.08% | 10.97% | $399.6M |
| Q2 2026 | 14.94% | 14.94% | 15.96% | 10.83% | $406.0M |
Portage Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Portage Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34760) · FFIEC NIC profile (RSSD 2668598)