Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$1.2B
Total Deposits
$1.0B
Net Loans
$810M
Net Income
$4M
ROA
1.42%
Above avg for Community banks. Peer avg: 0.90%
ROE
12.49%
Risk-Based Capital
15.53%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 309 | 82.85% | 4.53% |
| 2023 | 309 | 84.47% | 2.59% |
| 2022 | 399 | 84.71% | 1.75% |
| 2021 | 618 | 87.86% | 3.72% |
| 2020 | 727 | 85.69% | 5.09% |
| 2019 | 404 | 79.95% | 9.16% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jul 2024 | Satisfactory | Intermediate Small Bank |
| Jun 2021 | Satisfactory | Intermediate Small Bank |
| Apr 2018 | Satisfactory | Intermediate Small Bank |
6 previous ratings locked — back to 1996
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
14
Branch Deposits
$965M
1-Year Change
0
5-year net change: +6 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/bank-of-pontiac" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red