Portage Community Bank

Headquarters: Ravenna, Ohio
Charter: Bank
Assets: $552.2M
Fed district: Cleveland
Regulator: Federal Reserve
Holding company: Portage Bancshares Inc.

Explore Hamilton View published fees

Compared with Ohio

6 of 17

compared fees are above the median.

4 below, 7 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
7th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 17 compared; 4 below, 7 about the same
See the fees
Fee schedule read Oct 16, 2026

How these figures are measured

Call-report figures are for Portage Community Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Ohio median	Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Portage Community Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Portage Community Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 0.5% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (7th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $28K in Q2 2026, 9.7% below the same quarter a year earlier ($31K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 17 compared published fees sit above the Ohio median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Ohio medians for fees published by banks and credit unions.

Deposited Item Return
Portage Community Bank: $10
Portage Community Bank: $10
Ohio median: $1591 publishCleveland district median: $15131 publishU.S. median: $151,947 publish
Overdraft (OD)
Portage Community Bank: $30
Portage Community Bank: $30
Ohio median: $30116 publishCleveland district median: $30181 publishU.S. median: $302,601 publish
NSF / Returned Item
Portage Community Bank: $30
Portage Community Bank: $30
Ohio median: $30109 publishCleveland district median: $30184 publishU.S. median: $302,858 publish

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 6.7% from Q3 2025 to Q2 2026, to $28K. Its share of revenue, 0.5%, is below the 2.1% median for banks with $300M to $1B in assets.

Service-charge income, Q2 2026

$28K

$30KQ3 2025

$25KQ4 2025

$25KQ1 2026

$28KQ2 2026

Against the median (OH for fees)

Share of revenue0.5% / 2.1%
Overdraft$30 / $30

Portage Community BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Portage Community Bank · $552M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$538M to $566M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Portage Community Bank(this institution)	Ravenna, OH	$552M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Flint Hills	Wamego, KS	$545M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Belgrade State Bank	Belgrade, MO	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central State Bank	State Center, IA	$558M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank	Lucedale, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank of Kansas	Kingman, KS	$548M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens' Bank & Trust Co.	Van Buren, AR	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Ithaca, MI	$553M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Bank Mankato	Vernon Center, MN	$538M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eastern Michigan Bank	Croswell, MI	$554M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank	Baldwyn, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fidelity Bank	West Memphis, AR	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Bank	McComb, MS	$563M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commercial Bank, National Association	Seguin, TX	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Home Federal Savings and Loan Association of Grand Island	Grand Island, NE	$563M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Milford Federal Bank	Milford, MA	$545M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mound City Bank	Platteville, WI	$551M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mountain Valley Bank	Walden, CO	$557M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Nebraska Bank	Dodge, NE	$552M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwestern Mutual Wealth Management	Milwaukee, WI	$558M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Redwood Capital Bank	Eureka, CA	$566M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Silver Lake Bank	Topeka, KS	$548M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Cooperative Bank	Roslindale, MA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The National Bank of Middlebury	Middlebury, VT	$554M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Mississippi Bank	Natchez, MS	$561M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Point Bank	Radcliff, KY	$561M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Portage Community Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.24 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Portage Community Bank does not publish a monthly maintenance fee, so it is not on this chart.

Portage Community BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Portage Community Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $28K
vs prior quarter: +$3K+12.0%; from Q1 2026
vs a year earlier: −$3K−9.7%; from Q2 2025
vs start of range: +$2K+7.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Portage Community Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$28K	+$3K	+12.0%
Q1 2026	$25K	$0	0.0%
Q4 2025	$25K	−$5K	−16.7%
Q3 2025	$30K	−$1K	−3.2%
Q2 2025	$31K	$0	0.0%
Q1 2025	$31K	−$1K	−3.1%
Q4 2024	$32K	+$6K	+23.1%
Q3 2024	$26K	−$12K	−31.6%

Service-charge share against its size cohort

Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Portage Community Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Portage Community Bank: 0.5%
Percentile: 7th
25th percentile: 1.2%
Median: 2.1%
75th percentile: 3.4%

Portage Community Bank 0.5%Median 2.1%Middle half 1.2% to 3.4%Peers at each share24 above 10%, counted in the last bar

Find a peer (1,412)

The 15 closest to Portage Community Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Portage Community Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

When the account is closed within the first 90 Days after opening$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Dormant Account Charge – Monthly$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail - per account statement, per month$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

Paid Item Fee(s) – per item$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Return Item Fee(s) – per item$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
When the account is closed within the first 90 Days after opening	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Dormant Account Charge – Monthly	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Research (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail - per account statement, per month	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Paid Item Fee(s) – per item	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Return Item Fee(s) – per item	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Debit/ATM Card Replacement	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Wire Transfer Transactions – Incoming Domestic (audience not stated, treated as personal)	$20Above the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Official Check	$6Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Stop Payment Charge – per item	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Counter Check -each	$0.50Below the U.S. middle 50% ($1 to $4 nationally)	per item	None
Collection Item Fee -per item: Incoming	$5Below the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Collection Item Fee -per item: Outgoing	$10Inside the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Archived Check Copy – per check	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Non-Customer Coin Counter Fee (per gross amount)	10%	Not stated	None
Deposit Item Return Fee	$10Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Account Services
Safe Deposit Box 10” x 10”	$100Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box 3” x 10”	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box 3” x 5”	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box 5” x 10”	$70Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Tax Levy or Garnishment Fee	$50Inside the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Gift & Prepaid Cards
Gift Cards -per card	$3Inside the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Statement Copy – per statement	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 24 fees.

Correct a fee source

Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Portage Community Bank operates, and what regulators and customers have on file.

Branch footprint

4 offices in 1 state, $489.6M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$489.6M

Akron, OH

2.5% of bank deposits, #9 of 24, up 0.4 points over five years.

Largest competitors here	Deposit share
The Huntington National Bank	28.5%
JPMorgan Chase Bank, National Association	14.3%
PNC Bank, National Association	12.9%
KeyBank National Association	12.6%
Fifth Third Bank, National Association	6.4%

Fees in Cuyahoga Falls →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Akron, OH, Portage Community Bank holds 2.5% of bank deposits, #9 of 24, with 4 offices.

Compare fees with the 28 Akron, OH banks and credit unions in its home-metro peer set →

Offices in the metro

181 offices of 37 institutions shown.

Portage Community BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Akron, OH metro (FDIC metro code 10420), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1The Huntington National Bank28.5%
2JPMorgan Chase Bank, National Association14.3%
3PNC Bank, National Association12.9%
4KeyBank National Association12.6%
5Fifth Third Bank, National Association6.4%
6Citizens Bank, National Association4.2%
7Third Federal Savings and Loan Association of Cleveland3.2%
8Flagstar Bank, National Association2.7%
9Portage Community Bank2.5%

9 of 24 institutions shown. $19.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Akron, OH metro (FDIC metro code 10420)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 2.5% share, 4 offices, #9 of 24

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Akron, OH metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

26 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Civil Money Penalty, $4,640September 9, 2014
Federal Reserve · Order

Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Portage Community Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Portage Community Bank does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Portage Community Bank changes in our data

Portage Community Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Portage Community Bank does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Portage Community Bank changes in our data