🏦Bank Scorer

BANK OF PONTIAC

PONTIAC, IL · Supervised by Federal Reserve (FRB)

Est. 1947FDIC #16,982RSSD: FRB-930442
Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.42%

Institution Profile

FDIC BankFind

Address

300 W Washington St, PONTIAC, IL

County

Livingston County

Established

September 6, 1947

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 15, 2024

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$810M

Net Income

$4M

ROA

1.42%

ROE

12.49%

Risk-Based Capital

15.53%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.53%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$965M

1-Year Change

0

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430982.85%4.53%
202330984.47%2.59%
202239984.71%1.75%
202161887.86%3.72%
202072785.69%5.09%
201940479.95%9.16%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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