BlastPoint's Banking Scorecard
Portage Community Bank
Ravenna, OH
4 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +6.1% year over year ($489.6M on the books).
- Delinquency rate 0.27%.
- Return on assets 1.06%.
- Efficiency ratio 59.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Portage Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.34% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$552.2M
+6.7% YoY
-0.5% QoQ
|
+$165.6M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$397.4M
+5.6% YoY
+1.6% QoQ
|
+$139.0M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$489.6M
+6.1% YoY
-0.6% QoQ
|
+$162.8M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
1.06%
+34.8% YoY
-3.3% QoQ
|
-0.27% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.61%
+13.4% YoY
+2.7% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
59.14%
-16.0% YoY
+2.7% QoQ
|
-5.34% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.27%
-21.2% YoY
-3.9% QoQ
|
-0.65% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
81.17%
-0.5% YoY
+2.2% QoQ
|
+3.22% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
19.58%
-6.1% YoY
+4.2% QoQ
|
-2.45% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.20%
-22.0% YoY
-1.8% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
14.94%
+2.7% YoY
-1.0% QoQ
|
-0.97% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.32%
+36.6% YoY
+58.5% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.6%
-1.3pp YoY +0.8pp QoQ |
-2.6pp | 22.1% | 18.8% | 22.2% | 43% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.8%
-0.5pp YoY 0.0pp QoQ |
-2.8pp | 11.6% | 10.2% | 12.5% | 45% |
| CRE |
37.8%
+0.8pp YoY -0.6pp QoQ |
-1.7pp | 39.5% | 34.2% | 41.4% | 48% |
| 1-4 Family |
52.3%
+0.3pp YoY +0.8pp QoQ |
+19.6pp | 32.6% | 50.0% | 31.3% | 84% |
| Consumer |
0.7%
-0.5pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 4.7% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
+0.4pp YoY -0.2pp QoQ |
-3.9pp | 18.8% | 22.1% | 19.7% | 48% |
| Leverage Ratio |
10.8%
+0.1pp YoY -0.1pp QoQ |
-1.3pp | 12.2% | 12.9% | 12.6% | 47% |
| Total Capital Ratio |
16.0%
+0.4pp YoY -0.1pp QoQ |
-4.0pp | 19.9% | 23.2% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
78
+3 (+4.0%) YoY +1 (+1.3%) QoQ |
+19 | 58 | 2,433 | 482 | 76% |
| Assets per Employee ($) |
$7.1M
+2.6% YoY -1.8% QoQ |
-$439K | $7.5M | $7.6M | $8.8M | 54% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 81 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.6% | 1.0% | 36% |
| Allowance Coverage |
3.71x
+32.2% YoY +7.4% QoQ |
-20.44x | 24.15x | 18.95x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.7%
+2.2pp YoY -0.3pp QoQ |
-1.5pp | 12.2% | 9.7% | 11.6% | 41% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 58% |
| Net Income ($, YTD) |
$2.9M
+42.6% YoY — QoQ |
+$331K | $2.6M | $259.3M | $40.4M | 68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.