BlastPoint's Banking Scorecard
Bank of Pontiac
Designations: ✓ Community bank
Pontiac, IL
14 branches across IL
Bank of Pontiac has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 12.30% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 22.2% in tier
- - Credit Risk Growth: Bottom 26.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.5% YoY
+2.5% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$809.9M
+3.5% YoY
-3.1% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$1.0B
+3.9% YoY
+1.8% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
1.42%
+17.6% YoY
+0.4% QoQ
|
+0.06% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
3.94%
+8.8% YoY
+0.3% QoQ
|
+0.12% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
48.76%
-6.2% YoY
+1.0% QoQ
|
-12.30% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.42%
+239.0% YoY
+162.0% QoQ
|
-0.47% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
79.47%
-0.4% YoY
-4.8% QoQ
|
-4.73% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
17.15%
-55.8% YoY
-12.1% QoQ
|
-4.14% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.31%
+245.0% YoY
+150.1% QoQ
|
-0.37% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.34%
+10.3% YoY
+5.8% QoQ
|
-0.82% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.11%
+4.1% YoY
-73.2% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
34% |
Get Full Access to Bank of Pontiac
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.