Total Assets
$1.2B
Total balance-sheet footings
FDIC Cert #16982 · Pontiac, Illinois · Est. 1947
Bank of Pontiac - FDIC Bank Health Profile
A community-scale look at Bank of Pontiac's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.2B
- Total assets
- A
- Health grade · Excellent
- 1.42%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Pontiac earns a PlainBankData health grade of A (90/100), with well-capitalized at 13.55% Tier 1, profitable at 1.42% ROA, efficient (48% cost ratio).
- #909
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 13.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 70th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Pontiac's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Pontiac's composite health score
Tier 1 Capital Ratio (13.55%) 35/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (0.94%) 20/20
Efficiency Ratio (48.26%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.0B
Customer-funded liabilities
Net Loans
$836M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Pontiac ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Pontiac's score of 90/100 falls in the highlighted band.
Bank of Pontiac's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Pontiac's $1.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.55%
Texas Ratio
0.94%
Equity Capital
$134M
Profitability metrics
Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
13.12%
Efficiency Ratio
48.26%
What the numbers say about Bank of Pontiac
Bank of Pontiac is an FDIC-insured institution (Certificate #16982) headquartered in Pontiac, Illinois, established in 1947. It holds $1.2B in total assets - 909th of 4,313 FDIC-insured banks, $1.0B in customer deposits, and $836M in net loans. Its capital position: a Tier 1 ratio of 13.55%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.94% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (90 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Pontiac sits 49th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$60M
Interest Income
$5M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Pontiac reports a Texas Ratio of 0.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Pontiac (FDIC Cert #16982) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Bank of Pontiac's health grade?▼
Bank of Pontiac receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Pontiac?▼
Bank of Pontiac holds $1.2B in total assets and $1.0B in deposits, ranking 909th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pontiac, Illinois.
Is my money safe at Bank of Pontiac?▼
Yes, deposits at Bank of Pontiac (Certificate #16982) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Pontiac's Tier 1 Capital Ratio?▼
Bank of Pontiac has a Tier 1 Capital Ratio of 13.55%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Pontiac?▼
Bank of Pontiac has a Texas Ratio of 0.94%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Pontiac?▼
Bank of Pontiac has an Efficiency Ratio of 48.26%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Pontiac's profile as a depositor or analyst.
- Bank of Pontiac's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Pontiac against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.