Bank of Pontiac

300 West Washington Street
Pontiac, IL 61764

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16982
Date Established 1947
Assets $0.51 billion
Loans $0.36 billion
Deposits $0.43 billion
Capital $0.07 billion

Bank of Pontiac is an FDIC insured institution located in Pontiac, IL. It was founded in 1947 and has approximately $0.51 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Bank of Pontiac's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Pontiac’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Bank of Pontiac’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.98
Multifamily
Mortgages
1.52
Credit Card Loans 0.00
Consumer Auto Loans 3.28
Small Business Loans 3.76
Construction and Development Loans 2.02
Commercial Real Estate 22.24
Commercial and Industrial Loans 11.92
Farm Loans 7.97

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.15% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
0.50% $1,000 - Learn MoreShow Less
Special: 17 Mo FIRA
0.75% $10,000 - Learn MoreShow Less
Special: 22 Mo FIRA
1.41% $10,000 - Learn MoreShow Less
Special: 26 Mo FIRA
1.10% $10,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $1 $24,999 Learn MoreShow Less
Premium MM 25K
0.25% $25,000 $74,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.02% $1 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.05% $2,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Pontiac

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Pontiac
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of Pontiac branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Pontiac Locations

Financial Details

Bank of Pontiac Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Pontiac. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Pontiac U.S. Bank Average
5.53% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Pontiac had $1,952,000 in non-current loans and $1,941,000 in owned real estate. To cover these potential losses it had $66,721,000 in equity and $3,710,000 in loans loss reserves. That gives it a Texas Ratio of 5.53%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Pontiac U.S. Bank Average
8.74% 8.58

Bank of Pontiac has a Return on Equity of 8.74% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Pontiac U.S. Bank Average
13.03% 12.11

Bank of Pontiac has a Capitalization of 13.03% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Pontiac Balance Sheet Analysis

As of June 30, 2017, Bank of Pontiac had assets of $511,920,000, loans of $360,458,000, and deposits of $434,438,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bank of Pontiac

Branches and Savings

Is Bank of Pontiac FDIC insured?

Yes. It is covered under FDIC Certificate #16982.

Why does Bank of Pontiac pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank of Pontiac CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank of Pontiac a commercial bank?

Yes

Where are Bank of Pontiac locations?

See branch locations nearby.

Is Bank of Pontiac open on Saturdays?

Is Bank of Pontiac open on Sundays?

What time does Bank of Pontiac open?

What time does Bank of Pontiac close?

Are Bank of Pontiac ATMs Open 24/7?

Do Bank of Pontiac ATMs accept cash deposits?

Can Bank of Pontiac customers use other ATMs?

Do Bank of Pontiac branches have notaries?

Will Bank of Pontiac notarize my document?

What address for Bank of Pontiac should I put for incoming ACH transfers?

Will the Bank of Pontiac branch print checks?

Do Bank of Pontiac checks expire?

Does Bank of Pontiac require US citizenship to open account?

Can Bank of Pontiac close my account?

Does Bank of Pontiac Report to credit bureaus?

Does Bank of Pontiac Use Equifax?

What is Bank of Pontiac's ACH Routing Number?

What is Bank of Pontiac's SWIFT code?

Products

Does Bank of Pontiac offer mortgages?

Compare mortgage rates here.

Does Bank of Pontiac offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Pontiac offer personal loans?

Compare personal loan rates here.

Does Bank of Pontiac offer student loans?

Will Bank of Pontiac cash a check?

Will Bank of Pontiac redeem a savings bond?

Does Bank of Pontiac cash savings bonds?

Will Bank of Pontiac cash money orders?

Can Bank of Pontiac issue a money order?

Does Bank of Pontiac do currency exchange?

Background on The Bank

Who owns Bank of Pontiac?

How long has Bank of Pontiac been around?

Can Bank of Pontiac transfer to other banks?

Does Bank of Pontiac have quick pay?

Does Bank of Pontiac accept rolled coins?

Will Bank of Pontiac accept loose change?

Where is Bank of Pontiac headquarters?

Customer Reviews for Bank of Pontiac

There are currently no comments for Bank of Pontiac. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →