Portage Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.81 percentage points higher than in Q1 2026, at 81.99%. Within Ohio, Portage Community Bank is 76th of 156 on loan-to-deposit ratio, 81.99% as of Q2 2026, above the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $401.4M |
| Net loans and leases | $397.4M |
| Loans held for sale | $1.7M |
| Loans to total assets | 72.69% |
| Loan-to-deposit ratio | 81.99% |
| Net loans to equity capital | 7.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.20% |
| Multifamily (5+ residential) | 0.26% |
| Commercial and industrial | 8.72% |
| Consumer | 0.70% |
| Credit cards | 0.00% |
| Farm | 1.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.11% |
| Construction concentration (Tier 1 capital + allowance) | 18.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.94% |
| Interest income on loans | $5.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $347.6M | $438.5M | 29.98% | 10.12% | 1.11% |
| Q4 2023 | $360.8M | $434.8M | 31.09% | 10.12% | 1.21% |
| Q1 2024 | $364.2M | $448.5M | 31.34% | 10.46% | 1.21% |
| Q2 2024 | $368.6M | $454.0M | 31.82% | 10.35% | 1.14% |
| Q3 2024 | $366.1M | $459.8M | 31.78% | 10.14% | 1.13% |
| Q4 2024 | $372.1M | $451.6M | 32.88% | 9.60% | 1.05% |
| Q1 2025 | $374.3M | $460.8M | 33.81% | 9.35% | 1.17% |
| Q2 2025 | $380.0M | $461.5M | 34.53% | 9.17% | 1.17% |
| Q3 2025 | $392.0M | $457.4M | 33.88% | 8.50% | 1.00% |
| Q4 2025 | $398.0M | $467.8M | 34.07% | 9.06% | 0.72% |
| Q1 2026 | $395.0M | $492.6M | 34.80% | 8.69% | 0.72% |
| Q2 2026 | $401.4M | $489.6M | 34.20% | 8.72% | 0.70% |
Portage Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Community Bank, freeSource: Call Report Schedule RC-C, 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)