| Metric | Portage Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +5.6% | +5.3% | +0.2 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 10.7% | 12.4% | -1.8 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $552.2M | $489.6M | $397.4M | $54.5M | $2.9M | 1.06% | 3.61% | 0.20% |
| Q1 2026 | $555.1M | $492.6M | $391.1M | $54.6M | $1.5M | 1.09% | 3.52% | 0.20% |
| Q4 2025 | $533.4M | $467.8M | $394.2M | $53.1M | $4.9M | 0.94% | 3.34% | 0.21% |
| Q3 2025 | $524.2M | $457.4M | $388.3M | $51.7M | $3.7M | 0.95% | 3.29% | 0.23% |
| Q2 2025 | $517.5M | $461.5M | $376.4M | $48.4M | $2.0M | 0.78% | 3.19% | 0.25% |
| Q1 2025 | $520.5M | $460.8M | $370.8M | $48.0M | $956K | 0.74% | 3.06% | 0.23% |
| Q4 2024 | $512.9M | $451.6M | $368.6M | $47.0M | $3.5M | 0.70% | 2.95% | 0.31% |
| Q3 2024 | $519.1M | $459.8M | $362.7M | $48.1M | $2.5M | 0.66% | 2.92% | 0.29% |
Loan mix (Q2 2026): real estate $362.6M · commercial $35.0M · consumer $2.8M · securities $115.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Portage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 61.2% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Portage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Portage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Portage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Portage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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