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Bank Of Pontiac
Pontiac, IL · FDIC Certificate #16982 · Chartered 09/0
Total assets
$1.18B
Total deposits
$1.00B
Total equity
$138.62M
Net loans
$829.72M
Branches (offices)
14
Net income (YTD)
$7.57M
Rank: #910 of 4,213 U.S. banks by assets · #49 of 322 in Illinois. Assets changed 4.9% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 11.10% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 11.76% |
| Tier 1 leverage ratio | 10.35% |
| Uninsured deposits (share of deposits) | 32.6% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $693.81M | 83.6% | |
| Commercial & industrial | $64.26M | 7.7% | |
| Consumer / individual | $20.51M | 2.5% | |
| Construction & development | $22.06M | 2.7% | |
| Agricultural | $60.67M | 7.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $924.55M | $820.60M | $4.48M | $89.69M |
| Jun 2023 | $962.43M | $800.04M | $6.92M | $94.88M |
| Jun 2024 | $1.08B | $943.11M | $6.10M | $107.88M |
| Jun 2025 | $1.12B | $965.20M | $7.31M | $122.41M |
| Jun 2026 | $1.18B | $1.00B | $7.57M | $138.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.00B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.00B.
Similar-sized banks
Anstaff Bank ($1.18B) · American Community Bank & Trust ($1.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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