Portage Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Portage Community Bank of Ravenna, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.00% | 1.34% | -0.34% | 33rd below |
| ROAE | 10.28% | 13.32% | -3.04% | 38th below |
| Net Interest Margin | 3.67% | 3.93% | -0.26% | 35th below |
| Efficiency Ratio | 60.39% | 61.14% | -0.75% | 53rd above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 44th below |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 74th above |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 371.40% | 1539.36% | -1167.96% | 65th above |
| Texas Ratio | 1.84% | 7.33% | -5.49% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.94% | 19.51% | -4.57% | 48th below |
| Tier 1 Ratio | 14.94% | 19.54% | -4.60% | 48th below |
| Total Capital Ratio | 15.96% | 20.63% | -4.67% | 47th below |
| Leverage Ratio | 10.83% | 12.14% | -1.31% | 47th below |
| Equity / Assets | 9.86% | 11.38% | -1.52% | 42nd below |
| TCE / Tangible Assets | 9.85% | 11.09% | -1.24% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.99% | 80.64% | +1.35% | 47th below |
| Core Deposit Ratio | 95.26% | 86.86% | +8.40% | 85th top |
| Wholesale Funding Ratio | 0.12% | 5.04% | -4.92% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.70% | 6.85% | -0.15% | 67th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.63% | 7.90% | -2.27% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.08% | 6.29% | -0.21% | 65th above |
See Portage Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Portage Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Portage Community Bank profile, how to read a UBPR, or how this data updates.