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Bank of Pontiac

Pontiac, IL · Cert 16982 · Pontiac Bcorp Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Pontiac

Pontiac, IL · Cert 16982 · Pontiac Bcorp Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

$1.2BAssets
$839.2MLoans
$1.0BDeposits
$138.6MEquity
Loan mix
84%RE $639.9M13%C&I $99.7M3%Consumer $20.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $843.8M16%Noninterest $156.5MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.16%Q2 ’255.13%Q2 ’26+8%+6%

Non-interest income vs. expense

2.15%Q2 ’242.01%Q2 ’252.09%Q2 ’26+3%+4%

Market Position · Peoria, IL · 2026 SOD (annual) · 1.4% share · #13 of 35 inst. · $0.1B of $10.0B

43.9% Livingston
3.6% Tazewell
25.7% Ford
1.2% McLean

Executive Summary

  • Earnings: ROA of 1.28%, down 1 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.27% of loans (+8 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 10.35%, up 65 bps from a year ago.
  • Funding: loans stand at 83.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+22 bps YoY

Efficiency Ratio (YTD, annualized)

49.91%-93 bps YoY

Tier 1 Leverage Ratio

10.35%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.38%1.42%1.42%1.28%-1 bps
Return on Equity12.27%12.95%13.12%12.49%11.10%-116 bps
Net Interest Margin3.54%3.59%3.64%3.68%3.76%+22 bps
Efficiency Ratio50.84%49.08%48.26%48.76%49.91%-93 bps
Non-Interest Burden1.63%1.59%1.57%1.60%1.70%+7 bps
Growth
Asset Growth (YoY)3.96%0.70%1.77%5.54%4.91%+94 bps
Loan Growth (YoY)3.16%5.52%4.07%3.49%3.15%-1 bps
Deposit Growth (YoY)2.34%-0.42%0.26%3.92%3.64%+130 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.16%0.42%0.27%+8 bps
Net Charge-Offs / Loans0.09%0.11%0.12%0.12%0.29%+21 bps
Allowance / Loans1.13%1.09%1.11%1.16%1.14%0 bps
Allowance Coverage of NPLs6.0x5.9x6.9x2.8x4.2x-1.8x
Capital
Tier 1 Leverage Ratio9.70%9.91%10.06%10.15%10.35%+65 bps
Total Risk-Based Capital14.23%14.33%14.70%15.53%15.69%+147 bps
Equity / Assets10.89%11.24%11.41%11.40%11.76%+87 bps
Liquidity & Funding
Loans / Deposits84.30%84.80%84.43%80.40%83.90%-40 bps
Liquid Assets / Assets6.37%6.37%6.51%10.50%7.67%+130 bps
CRE / Total Capitaln/a247%245%228%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Bank of Pontiac

Pontiac, IL · Cert 16982 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Pontiac Bcorp Inc.

State charter, Fed member · FED · 14 branches

Q2 2026

$1.2BAssets
$839.2MLoans
$1.0BDeposits
$138.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 68 of 266).
  • Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets operating in a single state (rank 234 of 267).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.28%

Rank 118 of 267

Net Interest Margin

3.76%

Rank 84 of 267

Efficiency Ratio

51.46%

Rank 68 of 266

Equity / Assets

11.76%

Rank 66 of 267

Non-interest income vs. expense

$4.6M$24.8MINCOMEEXPENSE
Unfavorable gap of $20.3M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state
Bank 51.46%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.93%1.23%1.55%Beats 56%118 / 267
Return on Equity10.92%9.16%11.84%14.56%Beats 43%151 / 267
Net Interest Margin3.76%3.12%3.50%3.88%Beats 69%84 / 267
Efficiency Ratio51.46%51.36%60.21%69.66%Beats 75%68 / 266
Asset Quality
Nonperforming Loans / Loans0.27%0.19%0.46%0.89%Beats 65%94 / 267
Net Charge-Offs / Loans0.16%0.01%0.02%0.06%Beats 13%234 / 267
Capital
Tier 1 Capital Ratio14.50%11.29%13.05%15.13%Beats 70%81 / 267
Total Risk-Based Capital Ratio15.69%11.95%13.87%16.27%Beats 70%79 / 267
Equity / Assets11.76%9.18%10.29%11.76%Beats 75%66 / 267
Liquidity & Funding
Loans / Deposits83.90%72.68%86.16%95.22%45th pctl148 / 267
Loans / Assets71.20%62.46%71.96%78.38%48th pctl138 / 267
Brokered Deposits / Depositsn/aNot reported for this institution