BlastPoint's Banking Scorecard
Portage Community Bank
Community
Specialty: Commercial
OH
FDIC cert 34760
Ravenna, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Portage Community Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.4M
+4.0% YoY
+1.8% QoQ
|
-$858.0M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$394.2M
+6.9% YoY
+1.5% QoQ
|
-$581.3M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$467.8M
+3.6% YoY
+2.3% QoQ
|
-$696.8M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.94%
+34.5% YoY
-1.4% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.34%
+13.3% YoY
+1.5% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
64.79%
-10.7% YoY
-1.8% QoQ
|
+2.16% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.28%
-35.1% YoY
-6.8% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
84.25%
+3.2% YoY
-0.8% QoQ
|
+1.19% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
19.07%
-2.8% YoY
-7.3% QoQ
|
-1.97% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.21%
-33.2% YoY
-7.0% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.72%
-0.8% YoY
-0.2% QoQ
|
+4.47% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.47%
+2.5% YoY
+33.4% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 83.06%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.07% · Tier avg: 21.05%
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
42
42th pctile
Efficiency Ratio
Current: 64.79% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $467.8M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $533.4M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $533.4M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $467.8M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $394.2M · Tier avg: $975.5M
32
32th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
42
42th pctile
Efficiency Ratio
Current: 64.79% · Tier avg: 62.63%
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 19.07% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.25% · Tier avg: 83.06%
62
62th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%