# PORTAGE COMMUNITY BANK
RAVENNA, OH · FDIC certificate 34760 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $552.2M | |
| Deposits | $489.6M | |
| Loans and leases | $401.4M | |
| Total equity | $54.5M | |
| Loans / deposits | 81.17% (p48 of band) | 82.04% |
| Liquid assets / assets | 23.36% (p45 of band) | |
| Uninsured deposits / deposits | 8.51% (p3 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.12% (p26 of band) | |
| FHLB advances / assets | 0.12% | |
| Tier 1 leverage | 10.83% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -14.94% (p31 of band) | -8.10% |
| AOCI / equity | -0.88% (p26 of band) | |
| ROA (annualized) | 1.06% (p36 of band) | 1.28% |
| Net interest margin | 3.61% (p34 of band) | 3.91% |
| Efficiency ratio | 59.14% (p43 of band) | |
| Noncurrent loans | 0.27% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 371.40% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 21.91% (p27 of band) | |
| Auto loans | $1.1M (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | brokered >10% |
| 2012-06 | 3 | brokered >10% |  |
| 2012-09 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 2 |  | brokered >10% |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | brokered >10% |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent, wholesale funding >15% |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | expense ratio p90 |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 0 |  | securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-21 ['An incredible guy': Portage banker Eric Decker dead at 47 - Akron Beacon Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxPZFpUZ0VnRmJ0eWpRbVo0aHp2dl9vQnF3NERaVmY0Yk5UZC1qNkxBb0M2bkdkZXVSblRTVlFxQUxLeFdVNFRqcjlCOERJRkRESU5maEtQSWl1TjVmSjhwUVBGNDJBTkMzM3FEWmFUbmhueVZxUE9XYmFJMS1BeDEzOGhVRzRNUDMxMTU0ZzExRzdodWx6eEFmdThFaHdiaXJabEMxeEhOLVk2Z1NxVnBDcVBScldSQWJZZ2trdXV4d3lmdG1acWdxUzk5ZE5QS3c?oc=5) · Akron Beacon Journal
- 2026-02-11 [Portage Community Bank appoints new chief lending officer - Crain's Cleveland](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTVRkSWZ0dEt5am9EX1dQbExXVDZjSnM5Q1R4Zy1jRkdsTllyOHBnMTJMLTJ5S3hmZ3d2MTA3aEFreFJuZUN4OVJoSmZMYWFPS0tNM3g2ajNKRFcyS294RXF2cUZ6RHNJNFBtYUFCWVc2S1RKX0NRQmNKam1BSm9FWU5fR3J2X0tYc1FvUGRlVHgtWnp6UURaOTRXdkFhZi1lWVN2U2dkNkFPUQ?oc=5) · Crain's Cleveland
- 2026-06-23 [Ohio Bankers League Announces Sara McCarty as Recipient of the 2026 Next Generation Leadership Award - Morningstar](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQLTRid3JLN1NPSkdkWlpCVmFZU0xGVVBhSFVjQkRFU0Y3eUJOUTUyNHhiWW1ob2EwQkpsOTB2eFVLOUpwSWJ2dFNWQmxwUzJwTGRMQ19lRVBNLTJ5VGdId21IdERkdnphaC1ESVFxMXdoTzl6NjU4cTdBMERyNjU1STg1MTFUazNDb0xpRl94bHo2TWxZbEltWVBXOG43X0VibkExS2k1Rmk4T3QyVDdGV1YzcldRRWFjUkNjOW1ETlpZUi1xNG5OVDdxaTNPTUVsMzBpVDlxam9EMHB5WW1OeFdndExuLUxJRHdCUUVvV2NzNjA?oc=5) · Morningstar
- 2026-01-20 [Portage Community Bank executive dies - Crain's Cleveland](https://news.google.com/rss/articles/CBMirwFBVV95cUxOc1BiRzA0Z2JXenBJM2xRSGFqaVdzcVJBZGp0eWF6cTh1dzJwOXdQUENnZGlrS1V6bFIwMTJsVktkeDlRcjJHY1dKV3pKZ3B4Z0hJU0huQzVPVjN2STE4NlpTMHFBNzlEenlxSExsYkNranItRGtsd3RUREhRZEkwLXFfbU0wRnE0M2VfdExCb0p2MjhCSnBadldIT3ZnN0ZoZ0tYem9aS1JCaC1ldmRz?oc=5) · Crain's Cleveland
- 2025-07-24 [Portage Community Bank Announces Untimely Passing of Longtime Executive - PR Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxQNFc1aWZRakk0eVhDNldwQVloUmNnU19ibC1zRkJNUVB2c190WkdmU1R2cjFxRmpPalBUN2VmN0VCcGhqbEJKdENXT1RTcVZNM1Q1LTlJeFRTdHVVVzVRZkcwUlYwVUFyTjd3UTRaTG1VNms0R0NuV1JLU0c3cmpLdkpSb2RYMGRuZ1J5YzA3cmhZZlJkdUV2T2ljeVhZSkc2bWt3YmxtX2NKTzZZRTNYbUFWd19ReVRnM1lITHljVk1NaUtZRnc?oc=5) · PR Newswire
- 2026-01-09 [Eric Decker Obituary - Ravenna, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE9jSjE1ZkxXMnc4Z1lVS0ZXV082MjZ2MXBHTFJnWWlXS0RCN1AycDdzVnRKRmpGMVlDZGJ2Umc0TTVWekx1cEJfQmdhUDBBZEtoaEZ5VFVuTmN5MkNNWWpTSmoydWx2WDFGVExHUDFrb0NiVzJRWkR5dWtyQ0F1Rlk?oc=5) · Dignity Memorial
- 2021-05-01 [Portage Community Bank opens new Rootstown branch - Record-Courier](https://news.google.com/rss/articles/CBMiywFBVV95cUxQTXMzU0NtNHZYa1RpR1Y3QmdPZHYyQkJTQUtBeDZuVkpoT19NZjFFR0FXa2ducE5yVXppR0MtdHFHYmJkZXFhNUdpUU9qb1BXZXBkbm5uazJ6SlF3UHZ4dVVhUHJwclppWnJZSlJZMzM1OW5qRUpDWTI2WmxVMDEtaXpNMlctSG9aRDhsVlp4eDJ0bTczX2hwb3NMQWItQ3pRZDdybWZielVaNVYyT1FOQXRhLXB5Um9tck5RMDhVR1VpRmhDZkJNOG5qYw?oc=5) · Record-Courier
- 2021-05-25 [Portage Community Bank CEO Richard Coe to Retire in July - newswire.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVEVvMGJwNGFjaGV5YzhQUmtuNFByVnZWMHk5U2lCN0pPdHlTZGg4U19DTzgyZXBvYjJiSi1ManhCVzk1eC0tdS11N2RudllIUDltZWNxME5NVEE4cHFtQUxtaVJORUZjVVdDZFJDb1Y4cDlsX00zVWJnUHltY01odjBET2dMdFd0ZG9iTm5ycGhJcVl3akR6c0JTMA?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34760 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "34760", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide