Bank · FDIC insured
Bank of Pontiac
A $1.2B bank headquartered in Pontiac, IL, with 14 branches in Illinois. Best rates: CDs 3.75% and savings 0.25% APY.
Bank of Pontiac Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#5 of 6 in Pontiac, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of Pontiac
- Headquarters
- 300 W Washington St, Pontiac, IL 61764
- FDIC certificate
- 16982 ↗
Branches
14 branches in Illinois
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Illinois
14 branches
Pontiac area · 7
- Bank of PontiacMain office300 W Washington St, Pontiac, IL 61764Directions
- East Chippewa And Franklin201 E Chippewa St, Dwight, IL 60420Directions
- Fairbury Branch104 E Locust St, Fairbury, IL 61739Directions
- Fairbury Drive Up101 E Oak St, Fairbury, IL 61739Directions
- Forrest Branch500 S Center St, Forrest, IL 61741Directions
- Odell State Bank Branch200 S Waupansie St, Odell, IL 60460Directions
- Bank Of Pontiac West1703 West Reynolds Street, Pontiac, IL 61764Directions
Champaign area · 3
- Melvin Branch100 East Main Street, Melvin, IL 60952Directions
- Paxton Branch101 N Taft St, Paxton, IL 60957Directions
- South Pine Street Branch116 S Pine St, Piper City, IL 60959Directions
Peoria area · 2
- Delavan Branch301 S Locust St, Delavan, IL 61734Directions
- Minier Branch101 S Main Ave, Minier, IL 61759Directions
Bloomington area · 1
- Bloomington Branch4001 General Electric Rd, Bloomington, IL 61704Directions
Chicago area · 1
- Coal City Branch85 S Broadway St, Coal City, IL 60416Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.35% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.27% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.28% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalLeverage ratio10.35%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.28%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of Pontiac are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.