BlastPoint's Banking Scorecard
Bank of Pontiac
Community
Specialty: Commercial
IL
FDIC cert 16982
Pontiac, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Bank of Pontiac demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.52% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.8% YoY
+1.7% QoQ
|
-$220.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$835.6M
+4.1% YoY
+1.0% QoQ
|
-$139.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$1.0B
+0.3% YoY
+1.4% QoQ
|
-$163.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.41%
+22.1% YoY
+2.3% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.93%
+10.0% YoY
+1.8% QoQ
|
+0.27% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
48.26%
-9.0% YoY
-1.7% QoQ
|
-14.37% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.16%
-49.0% YoY
-13.0% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
83.50%
+3.8% YoY
-0.5% QoQ
|
+0.44% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
44.56%
+6.5% YoY
+8.5% QoQ
|
+23.52% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-47.1% YoY
-7.5% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.53%
+10.8% YoY
+2.5% QoQ
|
+3.29% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.40%
-22.9% YoY
+40.0% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
44.56%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 44.56% · Tier avg: 21.05%
87
87th pctile
Efficiency Ratio
Current: 48.26% · Tier avg: 62.63%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.53% · Tier avg: 10.24%
60
60th pctile
Total Loans
Current: $835.6M · Tier avg: $975.5M
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
46
46th pctile
Loan-to-Deposit Ratio
Current: 83.50% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
Top Weaknesses
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
46
46th pctile
Loan-to-Deposit Ratio
Current: 83.50% · Tier avg: 83.06%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $835.6M · Tier avg: $975.5M
63
63th pctile
Tier 1 Capital Ratio
Current: 13.53% · Tier avg: 10.24%
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
87
87th pctile
Efficiency Ratio
Current: 48.26% · Tier avg: 62.63%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 44.56% · Tier avg: 21.05%