Bank of Pontiac: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Pontiac of Pontiac, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.44% | -0.31% | 38th below |
| ROAE | 9.72% | 12.51% | -2.79% | 29th below |
| Net Interest Margin | 4.12% | 3.84% | +0.28% | 76th top |
| Efficiency Ratio | 50.67% | 58.88% | -8.21% | 74th above |
| PPNR / Avg Assets | 1.94% | 1.78% | +0.16% | 65th above |
| Yield on Earning Assets | 5.72% | 5.71% | +0.01% | 61st above |
| Cost of Funds | 1.68% | 2.03% | -0.35% | 71st above |
| Net Interest Spread | 3.74% | 3.18% | +0.56% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.96% | -0.69% | 76th top |
| NPA / Total Assets | 0.21% | 0.75% | -0.54% | 74th above |
| NCO / Avg Loans | 0.49% | 0.30% | +0.19% | 9th bottom |
| ACL / Total Loans | 1.14% | 1.25% | -0.11% | 47th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 427.44% | 699.14% | -271.70% | 79th top |
| Texas Ratio | 2.13% | 7.17% | -5.04% | 76th top |
| Provision / NCO | 114.49% | 815.46% | -700.97% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.50% | 17.41% | -2.91% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.50% | 17.45% | -2.95% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.69% | 18.50% | -2.81% | 66th above |
| Leverage Ratio | 10.35% | 11.60% | -1.25% | 46th below |
| Equity / Assets | 11.76% | 11.33% | +0.43% | 73rd above |
| TCE / Tangible Assets | 9.73% | 10.65% | -0.92% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.90% | 86.35% | -2.45% | 61st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.61% | 85.55% | +2.06% | 44th below |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.61% | 32.71% | -0.10% | 45th below |
| Wholesale Funding Ratio | 2.74% | 5.46% | -2.72% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.91% | 10.46% | -5.55% | 48th below |
| Loan Growth (Y/Y) | 3.15% | 8.00% | -4.85% | 36th below |
| Deposit Growth (Y/Y) | 3.64% | 7.98% | -4.34% | 42nd below |
See Bank of Pontiac's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Pontiac, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Pontiac profile, how to read a UBPR, or how this data updates.