Portage Community Bank

Overview / Commentary

www.pcbbank.com

330-296-8090

1311 East Main Street
Ravenna, OH 44266

Portage Community Bank is headquartered in Ravenna and is the 54^th largest bank in the state of Ohio. It is also the 1,814^th largest bank in the nation. It was established in 1998 and as of December of 2021, it had grown to 87 employees at 4 locations. Portage Community Bank has an A health rating.

Reviews (1)

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Portage Community Bank

Posted by: amybrowning | Feb 21, 2018

The first bank I ever used was Portage Community Bank when I got my first job in high school. I only went to that bank because my mom also went to that bank and I was told that I couldn't have a bank account while I was under 18 without an adult (or parent) having the account with me. I'm still not sure if that's normal practice. Being totally unaware of how things worked, I didn't really care about where or how I banked, I just needed a place to cash my paychecks. Now that I've banked elsewhere and am a bit more experience, I feel like the bank was pretty underwhelming, honestly. Not only were the tellers pretty rude/cold most the time, but the bank itself wasn't helpful to new members and especially young people AT ALL. There were no programs to help you learn about banking or how to live financially responsibly. There were some benefits for people that had been there for like a million years but pretty much nothing for new members who actually needed it. So while I was still a kid I'd hear of all these cool benefits and programs that other people had with their banks and as soon as I turned 18 I withdrew all my money and when to a bank that seemed to actually give a damn about the financial well-being of its members.

Comment

Health

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	34760
Year Established	1998
Employees	87
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	4.81%
Annual Interest Income	$13.4MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$474.4MM$454.5MM
Loans	Q4 2021vs Q4 2020	$273.0MM$277.1MM
Deposits	Q4 2021vs Q4 2020	$409.5MM$381.6MM
Equity Capital	Q4 2021vs Q4 2020	$47.8MM$47.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$2.9MM$3.0MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$2.7MM$3.9MM
Real Estate Owned	Q4 2021vs Q4 2020	$47.00K$27.00K

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Portage Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$25k	Neighbor Rewards Savings
OTHER TIERS: 0.10% → $25k+
0.20%	-	-	Community Savings IRA
0.15%	-	-	Health Savings Account
0.05%	-	-	Community Statement Savings
0.05%	-	-	Community Business Statement Savings
0.05%	-	-	Litl People Passbook Savings

Portage Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Community Index Money Market
OTHER TIERS: 0.05% → Up to $50k \| 0.15% → $50k - $100k
0.25%^*	$100k^*	-	Community Business Money Market Account
OTHER TIERS: 0.05% → Up to $50k \| 0.15% → $50k - $100k
0.10%^*	$10k^*	-	Community Public Fund Index Account
OTHER TIERS: 0.05% → Up to $10k

Portage Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	-	$25k	Neighbor Rewards Checking
OTHER TIERS: 0.15% → $25k+
0.10%^*	$20k^*	-	Prestige Checking
OTHER TIERS: 0.05% → Up to $20k

Portage Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	84 Month CD
1.50%	$1k	-	Business 84 Month CD
1.25%	$1k	-	36 - 47 Month CD
1.25%	$1k	-	48 - 59 Month CD
1.25%	$1k	-	60 Month CD
1.25%	$1k	-	Business 36 - 47 Month CD
1.25%	$1k	-	Business 48 - 59 Month CD
1.25%	$1k	-	Business 60 Month CD
1.01%	$1k	-	24 - 35 Month CD
1.01%	$1k	-	Business 24 - 35 Month CD
0.90%	$1k	-	12 - 23 Month CD
0.90%	$1k	-	Business 12 - 23 Month CD
0.60%	$100k	-	Business 60 Month Jumbo CD
0.50%	$1k	-	180 - 364 Day CD
0.50%	$100k	-	Business 180 - 269 Day Jumbo CD
0.50%	$100k	-	Business 48 - 59 Month Jumbo CD
0.40%	$100k	-	Business 36 - 47 Month Jumbo CD
0.30%	$100k	-	60 Month Public Fund Jumbo CD
0.30%	$100k	-	Business 24 - 35 Month Jumbo CD
0.25%	$1k	-	30 - 89 Day CD
0.25%	$1k	-	90 - 179 Day CD
0.25%	$1k	-	Business 30 - 89 Day CD
0.25%	$1k	-	Business 90 - 179 Day CD
0.25%	$100k	-	36 - 47 Month Public Fund Jumbo CD
0.25%	$100k	-	48 - 59 Month Public Fund Jumbo CD
0.20%	$1k	-	Business 180 - 364 Day CD
0.20%	$100k	-	12 - 23 Month Public Fund Jumbo CD
0.20%	$100k	-	24 - 35 Month Public Fund Jumbo CD
0.20%	$100k	-	Business 270 - 364 Day Jumbo CD
0.20%	$100k	-	Business 12 - 23 Month Jumbo CD
0.15%	$100k	-	180 - 269 Day Public Fund Jumbo CD
0.15%	$100k	-	270 - 364 Day Public Fund Jumbo CD
0.10%	$100k	-	120 - 149 Day Public Fund Jumbo CD
0.10%	$100k	-	150 - 179 Day Public Fund Jumbo CD
0.10%	$100k	-	Business 120 - 149 Day Jumbo CD
0.10%	$100k	-	Business 150 - 179 Day Jumbo CD
0.10%	$100k	-	Business 60 - 119 Day Jumbo CD
0.10%	$100k	-	60 - 119 Day Public Fund Jumbo CD
0.05%	$100k	-	14 - 29 Day Public Fund Jumbo CD
0.05%	$100k	-	30 - 59 Day Public Fund Jumbo CD
0.05%	$100k	-	60 - 89 Day Public Fund Jumbo CD
0.05%	$100k	-	Business 14 - 29 Day Jumbo CD
0.05%	$100k	-	Business 30 - 59 Day Jumbo CD
0.05%	$100k	-	Business 60 - 89 Day Jumbo CD

Portage Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	$1k	-	36 - 47 Month IRA
1.25%	$1k	-	48 - 59 Month IRA
1.25%	$1k	-	60 Month IRA
1.01%	$1k	-	24 - 35 Month IRA
0.90%	$1k	-	12 - 23 Month IRA
0.50%	$1k	-	270 Day IRA

Locations

Portage Community Bank Locations
Portage Community Bank	1311 East Main Street	Ravenna, OH 44266
Kent Office	1532 South Water Street	Kent, OH 44240
Cuyahoga Falls Office Branch	140 Portage Trl	Cuyahoga Falls, OH 44221
Rootstown Office Branch	4183 Tallmadge Road	Rootstown, OH 44272

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