| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +6.7% | +5.6% | +1.1 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.1M | $173.5M | $124.1M | $27.2M | $1.5M | 1.36% | 3.59% | 0.06% |
| Q1 2026 | $212.6M | $176.6M | $121.8M | $26.6M | $705K | 1.32% | 3.54% | 0.06% |
| Q4 2025 | $215.7M | $180.1M | $123.1M | $26.0M | $3.1M | 1.47% | 3.76% | 0.06% |
| Q3 2025 | $220.9M | $186.0M | $121.9M | $25.6M | $2.5M | 1.59% | 3.80% | 0.12% |
| Q2 2025 | $202.5M | $168.2M | $116.3M | $25.1M | $1.9M | 1.79% | 3.96% | 0.07% |
| Q1 2025 | $210.1M | $176.2M | $111.6M | $24.5M | $1.1M | 2.06% | 4.25% | 0.02% |
| Q4 2024 | $212.5M | $179.5M | $113.5M | $23.6M | $2.4M | 1.14% | 3.34% | 0.23% |
| Q3 2024 | $210.1M | $173.9M | $112.7M | $23.0M | $1.7M | 1.05% | 3.28% | 0.49% |
Loan mix (Q2 2026): real estate $100.7M · commercial $12.9M · consumer $159K · securities $60.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Portage County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
31th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 62.9% | 52th |
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 | The Portage County 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 | The Portage County 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 | The Portage County 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 | The Portage County 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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