Bank of Pontiac: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 6.4% from Q1 2026 to Q2 2026, ending at -$8.3M against -$7.8M. It was the largest change among the key lines on this page. Bank of Pontiac ranks 110th of 198 Illinois banks on CET1 ratio, in the lower half at 14.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank of Pontiac sits 1.02 points higher, at 14.50% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.50% |
| Tier 1 risk-based capital ratio | 14.50% |
| Total risk-based capital ratio | 15.69% |
| Tier 1 leverage ratio | 10.35% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $120.3M |
| Tier 1 capital | $120.3M |
| Total risk-based capital | $130.3M |
| Total equity capital | $138.6M |
| Risk-weighted assets | $830.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.76% |
| Tangible equity to tangible assets | 9.73% |
| Equity capital to average assets | 11.66% |
| Internal capital growth rate | 6.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $45.9M |
| Retained earnings | $99.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.97% | 12.97% | 14.08% | 9.82% | $748.1M |
| Q4 2023 | 12.89% | 12.89% | 14.06% | 10.10% | $771.6M |
| Q1 2024 | 11.75% | 11.75% | 12.80% | 8.81% | $793.5M |
| Q2 2024 | 11.55% | 11.55% | 12.62% | 8.77% | $814.5M |
| Q3 2024 | 12.05% | 12.05% | 13.16% | 8.90% | $812.6M |
| Q4 2024 | 12.21% | 12.21% | 13.37% | 9.03% | $827.3M |
| Q1 2025 | 13.00% | 13.00% | 14.20% | 9.24% | $799.9M |
| Q2 2025 | 13.05% | 13.05% | 14.23% | 9.70% | $823.1M |
| Q3 2025 | 13.21% | 13.21% | 14.33% | 9.91% | $847.6M |
| Q4 2025 | 13.55% | 13.55% | 14.70% | 10.06% | $844.7M |
| Q1 2026 | 14.34% | 14.34% | 15.53% | 10.15% | $821.9M |
| Q2 2026 | 14.50% | 14.50% | 15.69% | 10.35% | $830.0M |
Bank of Pontiac regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pontiac, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Pontiac profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16982) · FFIEC NIC profile (RSSD 930442)