Portage Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 49.8% in Q2 2026, from $26.3M to $13.2M. It was the largest change from Q1 2026 among the key lines here. Portage Community Bank ranks 76th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 81.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Portage Community Bank reported 81.99% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $129.0M |
| Fed funds sold and reverse repos | $113K |
| Fed funds sold and reverse repos to assets | 0.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $654K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.99% |
| Net loans and leases to deposits | 81.17% |
| Loans and leases to core deposits | 86.06% |
| Core deposits to total deposits | 95.26% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.28% | 96.66% | $11K | $7.3M |
| Q4 2023 | 82.97% | 96.77% | $135K | $15.0M |
| Q1 2024 | 81.20% | 95.96% | $0 | $9.2M |
| Q2 2024 | 81.19% | 95.56% | $0 | $4.0M |
| Q3 2024 | 79.62% | 95.64% | $0 | $3.8M |
| Q4 2024 | 82.39% | 95.40% | $0 | $6.5M |
| Q1 2025 | 81.24% | 95.39% | $0 | $4.3M |
| Q2 2025 | 82.34% | 95.45% | $13K | $1.2M |
| Q3 2025 | 85.70% | 95.41% | $118K | $8.0M |
| Q4 2025 | 85.07% | 95.35% | $28K | $4.9M |
| Q1 2026 | 80.18% | 95.51% | $0 | $754K |
| Q2 2026 | 81.99% | 95.26% | $0 | $654K |
Portage Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Community Bank, freeSource: Call Report Schedules RC and RC-M, 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)