Portage Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.53 percentage points higher than in Q1 2026, at 371.40%. Portage Community Bank ranks 83rd of 156 Ohio banks on return on assets, in the lower half at 1.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Portage Community Bank sits 0.25 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.84% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 371.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.28% |
| Net interest margin | 3.67% |
| Efficiency ratio | 60.39% |
| Yield on earning assets | 5.44% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.99% |
| Core deposits to total deposits | 95.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.66% |
| Securities to assets | 20.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.95% | 14.95% | 15.87% | 10.44% | 0.73% |
| Q4 2023 | 14.70% | 14.70% | 15.62% | 10.50% | 0.61% |
| Q1 2024 | 14.74% | 14.74% | 15.67% | 10.54% | 0.53% |
| Q2 2024 | 14.59% | 14.59% | 15.53% | 10.32% | 0.64% |
| Q3 2024 | 14.88% | 14.88% | 15.82% | 10.43% | 0.76% |
| Q4 2024 | 14.83% | 14.83% | 15.78% | 10.63% | 0.78% |
| Q1 2025 | 14.75% | 14.75% | 15.71% | 10.70% | 0.73% |
| Q2 2025 | 14.54% | 14.54% | 15.51% | 10.70% | 0.81% |
| Q3 2025 | 14.74% | 14.74% | 15.71% | 10.95% | 1.26% |
| Q4 2025 | 14.72% | 14.72% | 15.70% | 10.92% | 0.88% |
| Q1 2026 | 15.09% | 15.09% | 16.08% | 10.97% | 1.08% |
| Q2 2026 | 14.94% | 14.94% | 15.96% | 10.83% | 1.00% |
Portage Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)