Portage Community Bank

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

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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-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.

Fees against the market

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

Overdraft (OD)
Portage Community Bank: $30
Portage Community Bank: $30
U.S. median: no median
NSF / Returned Item
Portage Community Bank: $30
Portage Community Bank: $30
U.S. median: no median
Stop Payment
Portage Community Bank: $30
Portage Community Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

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.

Service-charge income, Q2 2026

$28K

$30KQ3 2025

$25KQ4 2025

$25KQ1 2026

$28KQ2 2026

Against the median

Portage Community BankMedian

Sources and open questions

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

Do business accounts and account analysis fees make up more of service charges than at peers?

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

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

When the account is closed within the first 90 Days after opening$25
Dormant Account Charge – Monthly$5
per month
Account Research (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail - per account statement, per month$5
per month

Overdraft & NSF

Paid Item Fee(s) – per item$30
per item
Return Item Fee(s) – per item$30
per item

ATM & Card

Debit/ATM Card Replacement$10

Wire Transfers

Wire Transfer Transactions – Incoming Domestic (audience not stated, treated as personal)$20
per item

Check Services

Official Check$6
Stop Payment Charge – per item$30
per item
Counter Check -each$0.50
per item
Collection Item Fee -per item: Incoming$5
Collection Item Fee -per item: Outgoing$10
Archived Check Copy – per check$5
per item

Cash & Deposit

Non-Customer Coin Counter Fee (per gross amount)10%
Deposit Item Return Fee$10

Account Services

Safe Deposit Box 10” x 10”$100
Safe Deposit Box 3” x 10”$50
Safe Deposit Box 3” x 5”$30
Safe Deposit Box 5” x 10”$70
Safe Deposit Late Fee$10
Not compared: Box drilling or key fee
Tax Levy or Garnishment Fee$50

Gift & Prepaid Cards

Gift Cards -per card$3
per item

Other Fees

Statement Copy – per statement$5

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

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.

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 4, 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

Get an email when Portage Community Bank's foreign transaction changes in our data

We check once a day and send one email covering every change.