Bank of Pontiac
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Data as of · sourced from FFIEC call reports. How we update
Bank of Pontiac is an FDIC-insured commercial bank headquartered in Pontiac, IL, established in 1947 (FDIC certificate 16982), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.18B, up 4.9% from Q2 2025, the 48th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16982
- Headquarters
- Pontiac, IL
- Established
- 1947
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 14.50%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 071122263
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Pontiac call report
- Holding company
- PONTIAC BANCORP, INC.
- Asset rank in state
- 48th of 319 in Illinois
Little in Bank of Pontiac's latest call report stands out. The Pontiac, Illinois bank had $1.2 billion in assets at June 30, 2026, up 4.9% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Its $99 million multifamily book is now fully current, after 1.51% of it was past due or on nonaccrual a year earlier. Net income for the quarter slipped 13% from a year earlier, to $3.3 million.
As of June 30, 2026, Bank of Pontiac reported a CET1 capital ratio of 14.50%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Pontiac is the 48th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $1.18B, loans rose 2.4% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.8% of total loans, ahead of farmland and other real estate loans at 15.3%. Its 14 offices in the FDIC Summary of Deposits are in 12 cities in IL; its Pontiac 2 offices book 41% of its branch deposits. On its Q2 2026 call report, Bank of Pontiac meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 W Washington St, Pontiac, IL 61764
- County
- Livingston
- Metro Area
- Pontiac, IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 6, 1947
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $1.00B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $1.19B
- Average total loans
- $816.7M
- Average interest-bearing deposits
- $836.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 29, 1951
- FDIC Cert
- 16982
- Fed RSSD
- 930442
- Website
- www.bankofpontiac.com →
- Parent Holding Company
- PONTIAC BANCORP, INC. (RSSD 1207712)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Pontiac's total assets ranged from $975.8M (Q3 2023) to $1.20B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.18B total assets against $1.12B; $1.04B total liabilities against $1.00B.
$829.7M net loans and leases against $804.4M; $1.00B total deposits against $965.2M.
$162.5M securities against $158.7M; $110.1M cash and balances due against $83.2M.
$15.5M total interest income against $14.8M; $4.3M total interest expense against $4.7M.
$11.1M net interest income against $10.1M.
$1.0M total noninterest income against $976K; $6.4M total noninterest expense against $5.7M.
$1.1M provision for credit losses against $169K.
$3.3M net income against $3.8M.
1.13% return on assets against 1.36%; 4.12% net interest margin against 3.87%.
14.50% CET1 capital ratio against 13.05%; 10.35% tier 1 leverage ratio against 9.70%.
Inside the full Bank of Pontiac terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Pontiac rankings
Its closest position to the top of a national ranking is 902 of 4,196, for total assets; its furthest is 2,221 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.01% (Q4 2024) to 1.56% (Q3 2025) and its net interest margin ran from 3.56% (Q4 2024) to 4.15% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.50% | 1.13% | 0.27% | 2.09% | 4.12% |
| Q1 2026 | 14.34% | 1.42% | 0.42% | 3.06% | 3.96% |
| Q4 2025 | 13.55% | 1.53% | 0.16% | 1.20% | 4.15% |
| Q3 2025 | 13.21% | 1.56% | 0.18% | 1.32% | 4.05% |
| Q2 2025 | 13.05% | 1.36% | 0.19% | 1.47% | 3.87% |
| Q1 2025 | 13.00% | 1.20% | 0.12% | 1.00% | 3.59% |
| Q4 2024 | 12.21% | 1.01% | 0.31% | 2.75% | 3.56% |
| Q3 2024 | 12.05% | 1.32% | 0.38% | 3.30% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Pontiac (main office) | Pontiac , IL | 61764 | $398.3M |
| Fairbury Branch | Fairbury , IL | 61739 | $128.7M |
| Paxton Branch | Paxton , IL | 60957 | $116.9M |
| Minier Branch | Minier , IL | 61759 | $101.6M |
| Bloomington Branch | Bloomington , IL | 61704 | $53.4M |
| East Chippewa and Franklin | Dwight , IL | 60420 | $47.1M |
| Coal City Branch | Coal City , IL | 60416 | $37.5M |
| Delavan Branch | Delavan , IL | 61734 | $37.3M |
| Odell State Bank Branch | Odell , IL | 60460 | $27.3M |
| Forrest Branch | Forrest , IL | 61741 | $17.5M |
| Bank of Pontiac West | Pontiac , IL | 61764 | $14.2M |
| South Pine Street Branch | Piper City , IL | 60959 | $11.4M |
| Melvin Branch | Melvin , IL | 60952 | $9.1M |
| Fairbury Drive Up | Fairbury , IL | 61739 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2021 | Structure Change | Acquired First Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Bluestem National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2010 | Structure Change | Acquired Bank of Dwight Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 23, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2001 | Structure Change | Acquired Odell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 7, 2005, Federal Reserve: Civil Money Penalty $32,550: Bank of Pontiac, Pontiac, IL
- Period: Most recent institution action June 7, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 68 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 339 applications, 293 loans originated, $86.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $108K approved, $108K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Pontiac
What are Bank of Pontiac's total assets?
As of the Q2 2026 filing, Bank of Pontiac reported total assets of $1.18 billion in its FFIEC call report.
Where is Bank of Pontiac headquartered?
It is headquartered in Pontiac, IL, United States.
When was Bank of Pontiac founded?
It was established in 1947, per the FDIC institution directory.
Is Bank of Pontiac FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Pontiac?
Bank of Pontiac's primary federal regulator is the Federal Reserve.
What is Bank of Pontiac's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Pontiac operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Pontiac's Texas Ratio?
Its Texas Ratio is 2.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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