What Pontiac Bancorp Inc does

Pontiac Bancorp Inc is the holding company for Bank of Pontiac, a community bank founded in 1947 and headquartered in Pontiac, Illinois. The bank operates eleven branches across Livingston, Grundy, Tazewell, McLean, and Ford Counties, serving individual consumers, small and medium-sized businesses, and agricultural borrowers with traditional deposit and lending products. Its service suite spans personal checking and savings accounts, mortgage and consumer loans, commercial loans, agricultural financing and farm management, trust services, and wealth management delivered through a Cetera Investment Services partnership marketed as TWB Investment Services.

Bank of Pontiac runs its digital infrastructure on Jack Henry & Associates' online banking platform, employing a three-tier architecture with double-firewall isolation of the customer information database and 128-bit SSL encryption. Customer-facing digital channels include a mobile banking app for iPhone and Android with mobile deposit, online banking integrated with Zelle for peer-to-peer payments, and a 24-hour voice-response telephone banking system. The bank supplements its core offerings with identity protection services (ID TheftSmart, offered in partnership with Kroll Fraud Solutions) and deposit-network services (CDARS and Insured Cash Sweep through IntraFi Network) that allow customers to access multi-million-dollar FDIC coverage on time deposits and savings.

Revenue is generated primarily through net interest income on deposits and loans — covering mortgages, consumer loans, commercial loans, and agricultural lending — supplemented by fee streams from trust and discount brokerage services and ancillary subscription products such as ID TheftSmart, priced at $3.99–$7.99 per month. Distribution is rooted in the eleven physical branches where local loan officers make credit decisions, complemented by digital self-service channels and community-reinvestment marketing under the "Together We're Better" brand. The holding company was formed in 1982 and trades on the OTCQB market under the ticker PONT.

Name

Pontiac Bancorp Inc

Legal name

Pontiac Bancorp Inc

Website

https://bankofpontiac.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

51–100 employees

Short description

Pontiac Bancorp Inc is the holding company for Bank of Pontiac, a community bank founded in 1947 that operates eleven branches across five central Illinois counties. It provides personal, business, agricultural, and wealth-management banking products to consumers, small businesses, and farmers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Offices of Bank Holding Companies (551111), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Commercial lending solutions
• Agricultural financing services
• Wealth management services
• Consumer deposit accounts

Headquarters

HQ city

Pontiac

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Deposit Taking and Lending: Traditional community bank revenue from deposit accounts (checking, savings, CDs) and lending activities including mortgages, consumer loans, commercial loans, and agricultural loans.
2. Trust and Brokerage Services: Trust and Discount Brokerage Services offered through partnerships, not FDIC insured.
3. Identity Protection Services: ID TheftSmart identity theft protection services offered in partnership with Kroll Fraud Solutions, including Restoration ($3.99/month) and Credit Monitoring ($7.99/month).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Bank of Pontiac, operating under Pontiac Bancorp Inc., is a community bank that provides personal and business banking products including checking and savings accounts, certificates of deposit, mortgage and consumer loans, commercial and agricultural loans, trust services, discount brokerage, and digital banking (online, mobile, and telephone). The bank also offers wealth management services through a partnership with Cetera Investment Services (TWB Investment Services) and identity protection services via Kroll Fraud Solutions. Local loan decisions are made by loan officers who are long-time area residents.

Product overview

Bank of Pontiac is a community bank offering a comprehensive suite of traditional banking products organized into personal banking (checking, savings, convenience services), business banking (commercial checking, money market, loans), lending (mortgage, consumer, commercial loans), agricultural services (ag loans, farm management, crop insurance), and wealth management (investment services through TWB/Cetera, trust solutions, CDs, and FunTimers senior program). The bank also provides digital banking through online and mobile channels with Mobile Deposit, plus identity protection via ID TheftSmart partnership. All services are supported by traditional security infrastructure (SSL, 128-bit encryption) with loan decisions made locally.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Traditional personal checking account products including Free Checking, Everyday Checking, Interest Checking, and FunTimers Checking for individual retail banking customers.
• Personal Savings Accounts Personal savings products including Personal Savings, Health Savings Account (HSA), Money Market, and Investment Money Market accounts for individuals.
• Online Banking Internet banking platform providing 24/7 account access, transfers between Bank of Pontiac accounts, online bill payment services, and e-Statements, powered by Jack Henry & Associates with SSL 128-bit encryption.
• Mobile Banking Mobile applications for iPhone and Android devices providing banking services on-the-go including Mobile Deposit capability via smartphone camera.
• TeleBank 24 Automated voice response system providing 24-hour account information and banking services via telephone.
• Payments with Zelle Digital payment service enabling fast person-to-person money transfers between bank accounts through online and mobile banking platforms.
• Debit/ATM Card Bank-issued debit and ATM cards for cash withdrawals, purchases, and ATM access with 24/7 fraud monitoring.
• Business Checking Accounts Commercial checking account products including Business Checking and Interest Checking for Business customers.
• Business Money Market Accounts Business savings and money market products including Business Money Market and Business Investment Money Market accounts.
• Commercial Loans Commercial lending products for business customers including loans for working capital, equipment financing, and business expansion.
• Mortgage Center Home mortgage lending services including mortgage loan applications and Home Equity Line of Credit (HELOC) products with variable rate based on Prime Rate plus margin.
• Consumer Loans Personal consumer lending products for individual borrowers including auto loans and personal credit lines.
• Agricultural Loans Specialized agricultural financing solutions including ag loans for farm operations and crop insurance services.
• Farm Management Agricultural management services for farmers including tenant reports, planting/spraying forms, and harvesting/inventory tracking.
• TWB Investment Services Wealth management and investment services offered through Cetera Investment Services, providing IRAs, mutual funds, annuities, and brokerage services. TWB Investment Services is a marketing name of Cetera Investment Services located at Bank of Pontiac locations.
• Trust Solutions Trust and estate planning services including trust solutions and related trust services for wealth preservation, offered through Bank of Pontiac.
• Certificate of Deposit (CD) Products Certificate of Deposit products with competitive interest rates, including CDARS for multi-million-dollar FDIC protection on CDs through IntraFi Network.
• FunTimers Membership Program Membership program for customers age 50 and older offering special CD rates, dedicated checking accounts, and social/travel benefits.
• Insured Cash Sweep (ICS) FDIC insurance service enabling multi-million-dollar protection on savings deposits through the IntraFi Network.
• ID TheftSmart Identity theft protection service provided in partnership with Kroll Fraud Solutions, offering Restoration ($3.99/month) and Credit Monitoring ($7.99/month) services.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Kroll Fraud SolutionsminorStrategic or Co-development PartnerBank of Pontiac partnered with Kroll Fraud Solutions to bring ID TheftSmart identity theft and fraud investigation services to customers. Kroll provides forensic accountants, attorneys, regulators and former law enforcement personnel to help protect, restore, and preserve customer identities.
• Jack Henry & AssociatescoreTechnology or IntegrationJack Henry & Associates provides the core technology behind Bank of Pontiac's online banking application, including login and registration functionality, security enhancements, and ongoing technology development.
• Cetera Investment ServicescoreChannel Partner/ Reseller/ DistributorTWB Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Provides investment advisor representatives at Bank of Pontiac locations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Busey Bank: Illinois-headquartered regional bank with personal, business, wealth, and ag banking across central Illinois including Champaign and Bloomington markets where Bank of Pontiac also operates. Comparable customer base but broader footprint.
• Midland States Bancorp: Midwest bank holding company with retail, commercial, mortgage, and wealth management across Illinois and surrounding states. Larger and broader than Bank of Pontiac but operates with overlapping community banking services.
• First Financial Bancorp (Ohio): Midwest bank holding company providing community banking, wealth management, and commercial finance. Comparable in product breadth and community banking philosophy though larger and more regional.

Direct peers

• Morton Community Bank: Central Illinois community bank with branches in Tazewell and surrounding counties, offering personal, business, and agricultural banking. Direct geographic and product overlap with Bank of Pontiac.
• State Bank of Lincoln: Small community bank in Logan County, Illinois offering personal, business, and agricultural lending. Closely comparable in scale, rural Illinois footprint, and ag-focused lending model.
• Old Second Bancorp: Illinois-based community bank holding company serving the western and northern Chicago suburbs and surrounding counties. Comparable size, community banking orientation, and personal/business/ag lending mix.
• First Mid Bancshares: Illinois-based community banking holding company operating First Mid Bank & Trust across central and southern Illinois, with personal, business, ag, and wealth services. Similar geographic concentration and product breadth.
• Heartland Bank and Trust Company: Central Illinois community bank offering personal, business, agricultural, and mortgage banking with multiple branches across the region. Comparable in scale, geography, and product mix to Bank of Pontiac.
• Prospect Bancorp: Illinois community bank holding company operating Prospect Bank across the western Chicago suburbs and central Illinois. Similar size, community banking focus, and dependence on local deposits and lending.

Regional players

• Tompkins Community Bank (formerly First Niagara / Ithaca area): Community-oriented bank offering personal, business, ag (through NY markets), and wealth services in the Northeast and Midwest. Comparable community banking model and product breadth though operating in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bankofpontiac
• Xx.com/bankofpontiacil

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pontiac Bancorp Inc