Portage Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings dropped 0.94 percentage points in Q2 2026, from 3.23% to 2.29%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Portage Community Bank is 79th of 156 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. Portage Community Bank reported 3.67% on net interest margin for Q2 2026, 0.28 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 5.94% |
| Yield on securities | 3.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 2.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.65% | 1.54% | 3.17% | 5.34% | 2.41% |
| Q4 2023 | 4.66% | 1.76% | 2.99% | 5.30% | 2.45% |
| Q1 2024 | 4.76% | 2.01% | 2.84% | 5.43% | 2.45% |
| Q2 2024 | 4.94% | 2.09% | 2.94% | 5.58% | 2.60% |
| Q3 2024 | 4.98% | 2.16% | 2.94% | 5.64% | 2.70% |
| Q4 2024 | 4.98% | 2.09% | 3.01% | 5.65% | 2.76% |
| Q1 2025 | 5.00% | 2.02% | 3.08% | 5.61% | 2.85% |
| Q2 2025 | 5.16% | 1.97% | 3.30% | 5.71% | 3.10% |
| Q3 2025 | 5.35% | 1.95% | 3.52% | 5.95% | 3.10% |
| Q4 2025 | 5.34% | 2.01% | 3.48% | 5.93% | 3.15% |
| Q1 2026 | 5.30% | 1.93% | 3.51% | 5.86% | 3.47% |
| Q2 2026 | 5.44% | 1.90% | 3.67% | 5.94% | 3.92% |
Portage Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Portage Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)