Bank of Pontiac
Pontiac, IL
IDRSSD: 930442
Total Assets
$1.15B
Latest filing
Total Deposits
$986.48M
Latest filing
Net Interest Margin
4.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Pontiac
300 W Washington St
Pontiac, IL 61764
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/06/1947FDIC Certificate 11056
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Bank of Pontiac (Main) | 300 W Washington St | Pontiac, IL |
| ODELL STATE BANK BRANCH | 200 S Waupansie St | Odell, IL |
| FAIRBURY DRIVE UP | 101 E Oak St | Fairbury, IL |
| EAST CHIPPEWA AND FRANKLIN | 201 E Chippewa St | Dwight, IL |
| DELAVAN BRANCH | 301 S Locust St | Delavan, IL |
| BANK OF PONTIAC WEST | 1703 West Reynolds Street | Pontiac, IL |
| FORREST BRANCH | 500 S Center St | Forrest, IL |
| SOUTH PINE STREET BRANCH | 116 S Pine St | Piper City, IL |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/06/1947 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61764 |
| State and County Number | 17105 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Pontiac, IL |
Operational Info
| Number of Employees | 149 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/26/2024 |
| Date of Deposit Insurance | 01/29/1951 |
| Primary Insurance Agency | DIF |
| Website | www.bankofpontiac.com |
| Data Updated | 11/14/2025 |
| CERT | 16982 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $986.48M |
| Total Liabilities | $1.02B |
| Total Equity Capital | $129.54M |
| Net Income | $4.51M |
| Net Loans and Leases | $827.45M |
| Assets Per Employee ($Millions) | $7.63M |
| Bank Premises and Fixed Assets | $10.60M |
| Cash and Balances due from Depository Institutions | $82.78M |
| Deposits Held in Domestic Offices | $986.48M |
Key Performance Ratios
| Return on Assets (ROA) | 1.59% |
| Return on Equity (ROE) | 14.34% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 45.86% |
| Tier 1 Risk-Based Capital Ratio | 13.206% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.243% |
| Earning Assets to total Assets | 91.97% |
Income and Expense
| Total Interest Income | $15.38M |
| Total Noninterest Income | $1.12M |
| Total Interest Expense | $4.60M |
| Total Noninterest Expense | $5.64M |
| Net Interest Income | $10.77M |
| Pre-tax Net Operating Income | $6.16M |
| Provision for Credit Losses | $95.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $7.48M |
| All Other Liabilities | $9.15M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $164.31M |
| Available-for-sale debt securities | $158.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.53M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Pontiac?
$1.15B as of the latest filing.
How much are Bank of Pontiac's total deposits?
$986.48M in total deposits.
Where is Bank of Pontiac located?
Pontiac, IL.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
14.
When was it established?
09/06/1947.
What is the Return on Assets (ROA)?
1.59%.
How much are total loans and leases?
$827.45M (latest filing).
What is the total interest income (latest filing)?
$15.38M.