# BANK OF PONTIAC
PONTIAC, IL · FDIC certificate 16982 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $1.00B | |
| Loans and leases | $839.2M | |
| Total equity | $138.6M | |
| Loans / deposits | 82.94% (p40 of band) | 87.10% |
| Liquid assets / assets | 23.13% (p58 of band) | |
| Uninsured deposits / deposits | 32.61% (p55 of band) | 30.76% |
| Brokered deposits | 0.60% | |
| Wholesale funding | 3.34% (p38 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 10.35% (p46 of band) | 10.50% |
| Unrealized securities loss / equity | -7.80% (p50 of band) | -7.75% |
| AOCI / equity | -0.39% (p43 of band) | |
| ROA (annualized) | 1.28% (p52 of band) | 1.26% |
| Net interest margin | 4.03% (p70 of band) | 3.70% |
| Efficiency ratio | 49.91% (p24 of band) | |
| Noncurrent loans | 0.27% (p30 of band) | 0.51% |
| Net charge-offs (annualized) | 0.21% (p87 of band) | |
| Reserve coverage of noncurrent | 416.24% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 15.91% (p14 of band) | |
| Auto loans | $8.5M (1.02% of loans; DQ 0.27%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 147 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 | capital falling | charge-offs p90 |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [Pontiac Bancorp, Inc. has agreed to acquire Ottawa Bancorp, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbFR5RnNYLVlHQ2pkd09lQzcyQm9jS28wTU5IMWpHNUctd2g0cUFfQzBncjFUZlR2em4wbFRqSmZubnNkTFdwVldMcERmZW52bDh6MGlNcGVqMF9hMERUdERnZzJoT2p2alVyVEN3OEstaEpZTFVLcVE0Q2hNM1VvUUhqSWtQRk14cko5Umk2U2NRYkpzalBtQm9xLXd2WHd6YXB3RGt2dEMwS2U4QkZBVGUxOXg1aGRmcU4xWWVzd0F3N1NJOU16YUNVWW0?oc=5) · GlobeNewswire
- 2022-12-05 [Kauffman retiring from Bank of Pontiac, Donovan named successor - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMizAFBVV95cUxNdDVCVTZsYVhYLWNDZzZRUUh3YmF4S3FiaS1TUEFkQ1VrRHIycmRJbkd6NFJTVjZybWUyS2VQR0FQS3Z6UlFkLXpBOE9oTkxkd2tfVnBfYzQ4S21FU1lta0ZkemhLSUM4dXRsVHowMzNTNHJsc0xGQk1XRlJlcUZpRXoxRXh3NDlFME1HM3FTdEs1SEtVdllIVU1FQjZ4a2I3RjFVbWR1SXVqaHpLeWdDYndCcXF6d2lrUEpwRzdRRks0ZU40TDdXdmpSdVM?oc=5) · Pontiac Daily Leader
- 2023-07-27 [TO THE BANK: Prairie Dirt Classic Cashes in With Unique Bank Celebration - World of Outlaws](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVURpZWdXRC1WdGF3TkJyaWx4cVluRk1LLWRsN1loV25yU1AyckliblM3N1EwTldDOWcweElvZlpaRHN6WUtiUkZLVnZHU1JNRmF3aUNqdXJOSjVTMnlDUHJoMGhJNVROSXlEcGplRFd5dmViWlhOalZ0WkJ1dDl4VkJicWpiMlhRODYtZ3hhZ2JJX2I3SW9RcVpPOGVZSHdqX1ZXRUhndVVKQ2t0aGZn?oc=5) · World of Outlaws
- 2019-06-20 [Bank of Pontiac donates building as new home for the St. Vincent de Paul Pantry - The Catholic Post](https://news.google.com/rss/articles/CBMiugFBVV95cUxOT0t0My1iTlFTR1hlLWhKSm9HMjV5elNGNDJNWV90V3lhRjlZUmw5a0tMYVo3LWZvNFVNbG1PZnNjWjYzMVpRSGtJYmNnTWpOdmJHenJFaUI5UXN3STQ5NHJNX1hEeTVqemxVQjREVnB1aFY1akx5UFFHelJmZVBLLTBvTERIWUVITE5fODcwd3lqT2N6U0ZXQURSNFB6NHFmVzRVb0hhTEdPRXB6b05PZkNZTTJKaFc1WkE?oc=5) · The Catholic Post
- 2022-07-01 [Mechanicsburg man sentenced for multiple robberies, including armed bank robbery - wandtv.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQRHF2bHlMaXBNMUN1VXJlc3cwTGcyNkVBU3hwbXJwbXphUF9tUVZyRUw3X0RkMlFCLWNtUm82N3hNUmV1YTlYdVRfZmxLMFAxRUI5VDM2OHBXaGluU1hJVy1pUTFqcjFWLXZhcVVYN3QyWnZoWGhSTXJEWGhHRVpWLWVnMEpKTHFFSWJHeXNlQWJhRkxCd3Q2RGxVeUNfRUdMd1Zsd3BRRGJQQ2xfekFVM1ltam5oWTVLTjNKUF9PeENKQk43ZW5VMkRRVVZJY2pwX09nY0JrTFBYakt4SFU0MHFpZkZ6cHk3Rkhob2Vn?oc=5) · wandtv.com
- 2020-12-04 [Bank of Pontiac merging with First Farmers State Bank - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTGlBRW9LRTRMMHZLRnl5eDZaQWkwSXl6UlpJcnVIRnhxUzJDUmxYY09BT0xFZHdFOERLWDNQV0MwbUpPbFJQMGxNbzY4M0gxMUN5MUc2cVZrd2NaNUhKRExxYnBHSkFreUV6azFyVktBa3ZIQ1ozS3hFVENqX1pDOVlhN0hIZFB3NTNJTWF6QTlwaC1xdlFCMkQ2Z0V6Q1JXZUZQYXBCaVJaLXlwUTRHdmF3QlZwNkRjRFdRVVlB?oc=5) · Pontiac Daily Leader
- 2019-07-19 [30th annual Prairie Dirt Classic presented by Bank of Pontiac at Fairbury on Horizon - World of Outlaws](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRGNuVU12OEs5Rk40dEozUnUxMWYzaktwQjQyTllDeWRLdjVpZWZmMlVSWUxtY05Bc05TdWlyYmF2Vnk3OEhKb0VQRldDTENJUkJwQVR0SU82REVNOTN2MUlZa0luRXc4ek9SWE9vZ1NhMi1BVFRCOE1pWnRIbzdKWlpmd2NvdUktZmd0MUxMV0pMN3U5NUJZY2duZDhEb3lyeWc3UmZGalRmYnhScmZINEVmSmttRGIwblBYV0xOWXM?oc=5) · World of Outlaws
- 2019-06-27 [Bank of Pontiac and Selig to tangle in City Series - Pontiac Daily Leader](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPR0owTVZwYmVaSXd4WTk5bWM3cDdCLUFaLUxjZmdUaTc0aS1GZFlYLWdUaGE2aWtLcTRBX3JVQ3ZBbXBIV1lNQU8teE9YT29QaUwxYS1fT2xPSXpYak9FckMxaU1PNE5JYzlFU1BqN0pMQjdzbUhmRzdfWWdUdFlBYWxmUWxPdDBseVpqb0l4XzljS1RfLUlnUFZPenBYendvU3dNWG9SMGY?oc=5) · Pontiac Daily Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16982 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "16982", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide