Bank of Pontiac
Pontiac, IL · Cert 16982 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 76% of banks $1B-$10B in assets operating in a single state (rank 63 of 257).
- Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets operating in a single state (rank 225 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.28%
Rank 114 of 258
Net Interest Margin
3.76%
Rank 81 of 258
Efficiency Ratio
51.46%
Rank 63 of 257
Equity / Assets
11.76%
Rank 62 of 258
Non-interest income vs. expense
Unfavorable gap of $20.3M · efficiency ratio beats 76% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.93% | 1.23% | 1.54% | Beats 56% | 114 / 258 | | |
| Return on Equity | 10.92% | 9.26% | 11.84% | 14.74% | Beats 43% | 147 / 258 | | |
| Net Interest Margin | 3.76% | 3.16% | 3.49% | 3.88% | Beats 69% | 81 / 258 | | |
| Efficiency Ratio | 51.46% | 51.71% | 60.30% | 69.65% | Beats 76% | 63 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.19% | 0.46% | 0.90% | Beats 65% | 92 / 258 | | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 13% | 225 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.50% | 11.41% | 12.98% | 15.12% | Beats 71% | 76 / 258 | | |
| Total Risk-Based Capital Ratio | 15.69% | 12.10% | 13.91% | 16.08% | Beats 71% | 74 / 258 | | |
| Equity / Assets | 11.76% | 9.09% | 10.24% | 11.72% | Beats 76% | 62 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.90% | 73.24% | 86.34% | 95.95% | 44th pctl | 144 / 258 | | |
| Loans / Assets | 71.20% | 63.01% | 72.27% | 78.40% | 47th pctl | 136 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |