Bank of Pontiac: how it compares with its peers
Against 55 IL banks with half to twice its assets, Bank of Pontiac's strongest measure in Q2 2026 is efficiency ratio (49.91% vs. a 62.41% peer median). Its weakest relative measure is return on assets (1.28% vs. 1.16%).
| Measure | Bank of Pontiac | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.16% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.70% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.91% | 62.41% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.4M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.94% | 79.50% | Context |
What it means for lending operations
Its efficiency ratio of 49.91% is better than the 62.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American Community Bank & Trust Woodstock, IL · $1.18B
- First Bankers Trust Company, National Association Quincy, IL · $1.22B
- The Federal Savings Bank Chicago, IL · $1.08B
- Belmont Bank & Trust Company Chicago, IL · $1.05B
- First Southern Bank Marion, IL · $1.04B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
Questions about Bank of Pontiac
How big is Bank of Pontiac?
Bank of Pontiac, established in 1947, is headquartered in Pontiac, IL. It reported $1.18B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Bank of Pontiac's return on assets?
1.28% annualized in Q2 2026, against a 1.16% median for 55 IL banks with half to twice its assets, ahead of 58% of them.
What is Bank of Pontiac's efficiency ratio?
49.91% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is Bank of Pontiac growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.