TellerScore

Bank of Pontiac is a state-chartered bank (fed member) headquartered in Pontiac, Illinois, in business for about 79 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 14 offices.

Based on its Q2 2026 filing, Bank of Pontiac scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 142nd. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (54/100; 10.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.35%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 82.9% · 32.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202466
Q1 202570
Q2 202571
Q3 202572
Q4 202573
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%7.68%10.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.77%
Q3 20248.90%
Q4 20249.03%
Q1 20259.24%
Q2 20259.70%
Q3 20259.91%
Q4 202510.06%
Q1 202610.15%
Q2 202610.35%
Noncurrent loans
0.12%0.27%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.38%
Q4 20240.31%
Q1 20250.12%
Q2 20250.19%
Q3 20250.18%
Q4 20250.16%
Q1 20260.42%
Q2 20260.27%
Return on assets
1.14%1.28%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.14%
Q3 20241.20%
Q4 20241.16%
Q1 20251.21%
Q2 20251.29%
Q3 20251.38%
Q4 20251.42%
Q1 20261.42%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.2B10.35%0.27%1.28%82.9%
Q1 202671$1.2B10.15%0.42%1.42%79.5%
Q4 202573$1.2B10.06%0.16%1.42%83.5%
Q3 202572$1.2B9.91%0.18%1.38%83.9%
Q2 202571$1.1B9.70%0.19%1.29%83.3%
Q1 202570$1.1B9.24%0.12%1.21%79.8%
Q4 202466$1.2B9.03%0.31%1.16%80.4%
Q3 202466$1.1B8.90%0.38%1.20%79.2%
Q2 202467$1.1B8.77%0.25%1.14%82.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.35%
46th
Total risk-based capital15.69%
74th
Problem loans0.27%
70th
Net charge-offs0.30%
13th
Return on assets1.28%
52nd
Net interest margin4.03%
70th
Efficiency ratio49.9%
77th
Loans to deposits82.9%
61st
Uninsured deposits32.6%
45th
Loan-loss reserves1.14%
48th
Texas ratio1.7%
73rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
American Community Bank & TrustBank Woodstock, IL64 out of 100, Moderate$1.2B10.6%1.00%vs
First Bankers Trust Company, National AssociationBank Quincy, IL57 out of 100, Moderate$1.2B10.0%1.28%vs
The Federal Savings BankBank Chicago, IL51 out of 100, Below average$1.1B15.9%2.69%vs
Belmont Bank & Trust CompanyBank Chicago, IL75 out of 100, Strong$1.1B11.9%0.41%vs
First Southern BankBank Marion, IL49 out of 100, Below average$1.0B10.9%3.00%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs

Deposit insurance

Is my money safe at Bank of Pontiac?

Yes. Bank of Pontiac is an FDIC-insured institution (FDIC certificate #16982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($326.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.69% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Bank of Pontiac lists 13 offices in 12 cities. Most locations:

  • Pontiac, IL (2)
  • Bloomington, IL (1)
  • Coal City, IL (1)
  • Delavan, IL (1)
  • Dwight, IL (1)
  • Fairbury, IL (1)
  • Forrest, IL (1)
  • Melvin, IL (1)
  • Minier, IL (1)
  • Odell, IL (1)
  • Paxton, IL (1)
  • Piper City, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Pontiac reported 321 home-loan applications under HMDA (LEI 5493000KJ6VEEFTSNI20): 293 originated ($86,145,000 total), 7 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Pontiac
Type
State-chartered bank (Fed member)
FDIC certificate #
16982
RSSD ID
930442
Primary regulator
FED
Holding company
Pontiac Bcorp Inc
Established
September 6, 1947
Headquarters
300 W Washington St, Pontiac, IL 61764
Employees
147

Quick answers

Bank of Pontiac: common questions

Is Bank of Pontiac FDIC insured?

Yes. Bank of Pontiac is an FDIC-insured institution (FDIC certificate #16982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Pontiac's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Pontiac ever failed?

There is no failure record for FDIC certificate #16982 in the FDIC failed bank list.

How many branches does Bank of Pontiac have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pontiac

InstitutionScoreAssetsCapitalProblem loansCompare
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
Campus State BankBank Campus, IL87 out of 100, Very strong$26.2M12.3%0.00%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
Pontiac Dwight Prison Employs Credit UnionCredit union Pontiac, IL81 out of 100, Strong$8.3M10.8%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Streator Community Credit UnionCredit union Streator, IL80 out of 100, Strong$42.3M11.0%0.43%vs