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Portage Community Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 14, 2026
Portage Community Bank's top rates as of October 14, 2026 are 4.10% APY on its Certificates of Deposit (CDs) - 18-Month Special CD, 1.50% APY on savings, 0.80% APY on money market accounts, and 4.00% APY on checking, according to rates verified by MonitorBankRates. Other Portage Community Bank CD rates include 18-Months Individual Retirement Accounts (IRAs) - 18-Month Special at 4.10%, Certificates of Deposit (CDs) - 12-Month Special at 4.00%, and 12-Months Individual Retirement Accounts (IRAs) - 12-Month Special at 4.00%. MonitorBankRates evaluates the financial stability of Portage Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.98%. Rates last updated and verified on 10/14/2026.
Portage Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Portage Community Bank? Share your experience about Portage Community Bank by leaving a review below, or read customer reviews before you decide to use Portage Community Bank.
Portage Community Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Portage Community Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.98%
ExcellentLower than avg
Portage Community Bank Texas Ratio
Portage Community Bank's Texas Ratio is 1.98%, which is considered excellent and is lower than the national average of 5.85%.
Portage Community Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.86% to 1.98% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Portage Community Bank CD Rates
Product
Rate
APY
Term
View More
Certificates of Deposit (CDs) - 18 Month Special
4.02%
4.10%
18 Month
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Individual Retirement Accounts (IRAs) - 18 Month Special
4.02%
4.10%
18 months
DetailsCompounding Method: Daily; Printed term: 18 Month Special
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 12 Month Special
3.92%
4.00%
12 Month
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Individual Retirement Accounts (IRAs) - 12 Month Special
3.92%
4.00%
12 months
DetailsCompounding Method: Daily; Printed term: 12 Month Special
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 150 Days (or 5 month)
3.44%
3.50%
150 Days
Min Deposit$1,000
DetailsCompounding Method: Daily; Certificate of Deposit Special; not applicable for IRAs; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 270 Days (or 9 month)
3.44%
3.50%
270 Days
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 13-17 month
3.20%
3.25%
13-17 months
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 180-269 Days
3.20%
3.25%
180-269 Days
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 19-23 month
3.20%
3.25%
19-23 months
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Certificates of Deposit (CDs) - 271-364 Days
3.20%
3.25%
271-364 Days
Min Deposit$1,000
DetailsCompounding Method: Daily; Penalty for Early Withdrawal
No change since Sep 7, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Portage Community Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Individual Retirement Accounts (IRAs) - 270 days
3.44%
-
3.50%
270 days
DetailsCompounding Method: Daily
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%
Financial Health History
Portage Community Bank’s Texas Ratio fell from 3.86% in Q3 2023 to 1.98% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$552M
1.98%
5.0
A+
March 31, 2026
$555M
2.02%
5.0
A+
December 31, 2025
$533M
2.11%
5.0
A+
September 30, 2025
$524M
2.29%
5.0
A+
June 30, 2025
$518M
2.67%
5.0
A+
March 31, 2025
$521M
2.50%
5.0
A+
December 31, 2024
$513M
3.43%
5.0
A+
September 30, 2024
$519M
3.12%
5.0
A+
June 30, 2024
$510M
3.02%
5.0
A+
March 31, 2024
$509M
3.40%
5.0
A+
December 31, 2023
$501M
3.75%
5.0
A+
September 30, 2023
$493M
3.86%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Portage Community Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Portage Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Portage Community Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NamePortage Community Bank
Bank Holding CompanyPORTAGE BANCSHARES INC
Address
1311 E Main St,
Ravenna, OH 44266 · Portage
Portage Community Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Portage Community Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Portage Community Bank
Frequently Asked Questions About Portage Community Bank
How many branches does Portage Community Bank operate?
Portage Community Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Portage Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Portage Community Bank provides members with tools to manage their accounts and build a solid financial history.
Does Portage Community Bank offer online and mobile banking?
Most modern institutions like Portage Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pcbbank.com.
Current Portage Community Bank Rates
12-Month CD4.00%
18-Month CD3.25%
24-Month CD3.25%
36-Month CD3.15%
48-Month CD3.00%
60-Month CD2.75%
Savings1.50%
MMA0.80%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
