Bank Of Pontiac (FDIC #16982): Bank Stress & Real-Estate Credit Exposure

Bank Of Pontiac (FDIC Cert #16982): bank stress 59/100, moderate, STABLE over 7 days; parent PONTIAC BCORP INC.

Bank Of Pontiac (#16982) lends in 5 counties across 1 state; Bank Of Pontiac (#16982) reaches 101 ZIP codes: Illinois 5 counties, 101 ZIPs.

Bank Of Pontiac (#16982) largest markets: Mclean County, IL (33 branches, 33 ZIPs) (#16982), Livingston County, IL (203 branches, 29 ZIPs) (#16982), Ford County, IL (63 branches, 21 ZIPs) (#16982), Tazewell County, IL (42 branches, 21 ZIPs) (#16982), Grundy County, IL (16 branches, 16 ZIPs) (#16982).

Bank Of Pontiac (#16982) reports $1.18 billion in total assets; Bank Of Pontiac (#16982) equity $138.6 million (11.8% of Bank Of Pontiac (#16982) assets); Bank Of Pontiac (#16982) domestic deposits $1.00 billion; Bank Of Pontiac (#16982) net income $7.6 million; Bank Of Pontiac (#16982) return on assets 1.28%; Bank Of Pontiac (#16982) return on equity 11.10%; Bank Of Pontiac (#16982) net interest income $21.8 million; Bank Of Pontiac (#16982) call report June 30, 2026.

Bank Of Pontiac (#16982) noncurrent real-estate loans: none reported; Bank Of Pontiac (#16982) multifamily 0.03%; Bank Of Pontiac (#16982) net charge-offs on real estate 0.19%; Bank Of Pontiac (#16982) residential charge-offs 0.01%.

Bank Of Pontiac (#16982) net interest margin 4.03% against an eight-quarter Bank Of Pontiac (#16982) average of 3.79% (Bank Of Pontiac (#16982) compression -0.25 points); Bank Of Pontiac (#16982) real-estate loans 0.2% of equity; Bank Of Pontiac (#16982) non-residential real estate 1.4% of equity; Bank Of Pontiac (#16982) rate-exposure score 40/100, Bank Of Pontiac (#16982) fixed-rate trap 40/100; Bank Of Pontiac (#16982) risk type credit driven; Bank Of Pontiac (#16982) rate regime rates elevated, Bank Of Pontiac (#16982) snapshot October 19, 2026.

Bank Of Pontiac (#16982) stress score moved from 55.7 on June 22, 2026 to 58.8 on October 19, 2026; Bank Of Pontiac (#16982) ranged 55.7 to 58.8 over 116 snapshots.

Bank Of Pontiac (#16982) alerts: 5 counties; top Bank Of Pontiac (#16982) alert scores: Bloomington County, IL 22 (low); Coal City County, IL 22 (low); Minier County, IL 22 (low); Piper City County, IL 22 (low); Pontiac County, IL 22 (low).