Bank of Pontiac: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 151.31 percentage points higher than in Q1 2026, at 427.44%. Bank of Pontiac ranks 178th of 323 Illinois banks on return on assets, in the lower half at 1.13% (Q2 2026). Bank of Pontiac reported 1.13% on return on assets for Q2 2026, 0.15 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.50% |
| Tier 1 risk-based capital ratio | 14.50% |
| Total risk-based capital ratio | 15.69% |
| Tier 1 leverage ratio | 10.35% |
| Equity capital to assets | 11.76% |
| Tangible equity to tangible assets | 9.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.49% |
| Texas ratio | 2.13% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 427.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 9.72% |
| Net interest margin | 4.12% |
| Efficiency ratio | 50.67% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.90% |
| Core deposits to total deposits | 87.61% |
| Brokered deposits to total deposits | 0.71% |
| Deposits to assets | 84.86% |
| Securities to assets | 13.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.97% | 12.97% | 14.08% | 9.82% | 1.25% |
| Q4 2023 | 12.89% | 12.89% | 14.06% | 10.10% | 0.95% |
| Q1 2024 | 11.75% | 11.75% | 12.80% | 8.81% | 0.98% |
| Q2 2024 | 11.55% | 11.55% | 12.62% | 8.77% | 1.26% |
| Q3 2024 | 12.05% | 12.05% | 13.16% | 8.90% | 1.32% |
| Q4 2024 | 12.21% | 12.21% | 13.37% | 9.03% | 1.01% |
| Q1 2025 | 13.00% | 13.00% | 14.20% | 9.24% | 1.20% |
| Q2 2025 | 13.05% | 13.05% | 14.23% | 9.70% | 1.36% |
| Q3 2025 | 13.21% | 13.21% | 14.33% | 9.91% | 1.56% |
| Q4 2025 | 13.55% | 13.55% | 14.70% | 10.06% | 1.53% |
| Q1 2026 | 14.34% | 14.34% | 15.53% | 10.15% | 1.42% |
| Q2 2026 | 14.50% | 14.50% | 15.69% | 10.35% | 1.13% |
Bank of Pontiac vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pontiac, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)