Bank of Pontiac
Pontiac, Illinois, Livingston County
$1.2B in total assets, the 930th largest of 4,309 US banks and 50th of 328 headquartered in Illinois.
- FDIC certificate
- 16982
- Established
- 1947
- Owned by
- Pontiac Bcorp Inc
- Primary regulator
- FED
- Website
- www.bankofpontiac.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 10% | $2.7B | |
| Loans | $839M | 10% | $2.1B | |
| Deposits | $1.0B | 8% | $2.3B | |
| Return on assets | 1.42% | 53% | 1.39% | |
| Net interest margin | 4.03% | 76% | 3.53% | |
| Efficiency ratio | 49.9% | 39% | 51.3% | |
| Equity to assets | 11.76% | 84% | 9.97% | |
| Loans to deposits | 84% | 44% | 87% |
Growth
Total assets grew 6.0% a year over the last 5 years and 9.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2021 | First Farmers State Bank Minier, IL | $228M |
| Jan 2013 | Bluestem National Bank Fairbury, IL | $108M |
| Jul 2010 | Bank of Dwight Dwight, IL, an affiliate under the same holding company | $58M |
| Jan 2001 | Odell State Bank Odell, IL, an affiliate under the same holding company | $23M |
Where they operate
14 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Livingston County, IL | $633M | 43.9% | 1 of 12 |
| Tazewell County, IL | $139M | 3.6% | 5 of 18 |
| Ford County, IL | $137M | 25.7% | 1 of 5 |
| Mclean County, IL | $53M | 1.2% | 14 of 26 |
| Grundy County, IL | $37M | 2.2% | 11 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (8 to 14, +75.0%). 4 opened, 3 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2018 | Opened Coal City | 1 | 0 | +1 | 9 |
| 2019 | Closed Dwight | 0 | 1 | −1 | 8 |
| 2021 | Acquired First Farmers State Bank | 3 | 0 | +3 | 11 |
| 2024 | Opened 3 in Illinois | 3 | 0 | +3 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 33% | 14% | |
| Commercial real estate | 20% | 28% | |
| Farmland | 15% | 3% | |
| Multifamily | 12% | 9% | |
| Business (C&I) | 8% | 26% | |
| Agricultural | 7% | 1% | |
| Construction and land | 3% | 7% | |
| Consumer | 2% | 6% | |
| Other | 0% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 55% | |
| Time deposits | 36% | 24% | |
| Noninterest-bearing | 16% | 21% |
Brokered deposits are 0.7% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.52% |
| Net charge-offs, annualized | 0.30% | 0.07% |
| Reserves to loans | 1.14% | 1.07% |
| Leverage ratio | 10.35% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Livingston County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-pontiac-il