Bank of Pontiac: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial and industrial dropped 4.50 percentage points in Q2 2026, from 12.15% to 7.65%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Bank of Pontiac is 101st of 323 on loan-to-deposit ratio, 83.90% as of Q2 2026, above the middle of the field. Bank of Pontiac reported 83.90% on loan-to-deposit ratio for Q2 2026, 4.30 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $839.2M |
| Net loans and leases | $829.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.20% |
| Loan-to-deposit ratio | 83.90% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.01% |
| Multifamily (5+ residential) | 11.81% |
| Commercial and industrial | 7.65% |
| Consumer | 2.44% |
| Credit cards | 0.00% |
| Farm | 15.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.87% |
| Construction concentration (Tier 1 capital + allowance) | 16.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.49% |
| Interest income on loans | $13.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $724.6M | $800.7M | 18.84% | 13.53% | 3.49% |
| Q4 2023 | $758.1M | $812.8M | 19.23% | 13.58% | 3.30% |
| Q1 2024 | $777.3M | $962.4M | 19.16% | 12.93% | 3.27% |
| Q2 2024 | $788.7M | $943.1M | 19.04% | 13.10% | 3.25% |
| Q3 2024 | $792.8M | $990.6M | 19.18% | 11.70% | 3.24% |
| Q4 2024 | $811.9M | $998.1M | 18.86% | 12.21% | 2.99% |
| Q1 2025 | $791.7M | $980.7M | 18.88% | 11.78% | 2.98% |
| Q2 2025 | $813.6M | $965.2M | 18.72% | 12.39% | 2.82% |
| Q3 2025 | $836.6M | $986.5M | 18.31% | 12.21% | 2.82% |
| Q4 2025 | $844.9M | $1.00B | 18.26% | 12.09% | 2.55% |
| Q1 2026 | $819.4M | $1.02B | 18.23% | 12.15% | 2.53% |
| Q2 2026 | $839.2M | $1.00B | 20.01% | 7.65% | 2.44% |
Bank of Pontiac loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pontiac, freeSource: Call Report Schedule RC-C, 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)