Pontiac, IL · Cert 16982 · Pontiac Bcorp Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 1.4% share · #13 of 35 inst. · $0.1B of $10.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.01% | 1.21% | 1.36% | 1.59% | 1.54% | 1.42% | 1.13% | -23 bps | |
| Return on Equity | 13.34% | 10.08% | 11.79% | 12.71% | 14.34% | 13.56% | 12.49% | 9.72% | -299 bps | |
| Net Interest Margin | 3.36% | 3.34% | 3.38% | 3.64% | 3.82% | 3.88% | 3.68% | 3.84% | +19 bps | |
| Efficiency Ratio | 49.47% | 51.04% | 51.98% | 49.74% | 45.86% | 46.04% | 48.76% | 51.05% | +131 bps | |
| Non-Interest Burden | 1.39% | 1.53% | 1.58% | 1.66% | 1.56% | 1.55% | 1.60% | 1.81% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.25% | 13.41% | 2.69% | 3.96% | 0.70% | 1.77% | 5.54% | 4.91% | +94 bps | |
| Loan Growth (YoY) | 9.41% | 7.10% | 1.85% | 3.16% | 5.52% | 4.07% | 3.49% | 3.15% | -1 bps | |
| Deposit Growth (YoY) | 23.73% | 22.81% | 1.89% | 2.34% | -0.42% | 0.26% | 3.92% | 3.64% | +130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.31% | 0.12% | 0.19% | 0.18% | 0.16% | 0.42% | 0.27% | +8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.17% | 0.15% | 0.03% | 0.15% | 0.15% | 0.12% | 0.47% | +44 bps | |
| Allowance / Loans | 1.09% | 1.14% | 1.16% | 1.13% | 1.09% | 1.11% | 1.16% | 1.14% | 0 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.6x | 9.4x | 6.0x | 5.9x | 6.9x | 2.8x | 4.2x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.03% | 9.24% | 9.70% | 9.91% | 10.06% | 10.15% | 10.35% | +65 bps | |
| Total Risk-Based Capital | 13.16% | 13.37% | 14.20% | 14.23% | 14.33% | 14.70% | 15.53% | 15.69% | +147 bps | |
| Equity / Assets | 10.04% | 10.05% | 10.50% | 10.89% | 11.24% | 11.41% | 11.40% | 11.76% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.03% | 81.34% | 80.74% | 84.30% | 84.80% | 84.43% | 80.40% | 83.90% | -40 bps | |
| Liquid Assets / Assets | 9.23% | 8.58% | 9.43% | 6.37% | 6.37% | 6.51% | 10.50% | 7.67% | +130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | 245% | 228% | n/a | n/a | |