Pontiac, IL Branch Location


423 W Madison Street
Pontiac, IL 61764

Phone (815) 844-8369

By Appointment Only

Lobby Hours - By Appointment Only
Mon 9:00am - 3:00pm
Tues 9:00am - 3:00pm
Wed 9:00am - 3:00pm
Thurs 9:00am - 3:00pm
Fri 9:00am - 3:00pm

Welcome to our Flanagan State Bank Branch in Pontiac, Illinois

Flanagan State Bank was founded in 1913 and has been family-owned since Hank Schwerin became involved in the 1930’s. Opened in 2022, you can find our Pontiac office at 423 W Madison Street. When you visit us, you can expect to find a beautiful facility with a friendly staff to serve you.


Kim Ragle, Branch Manager and Mortgage Loan Officer

I grew up in Yorkville, IL and after graduating, attended North Central College to study Business and Art.

I moved to Pontiac, IL in 1983 and opened a retail florist business that I owned and operated for 25 years.

I started my career at Flanagan State Bank in 2007 as a Commercial Lending Assistant in our Bloomington Branch. In 2013 I transferred to our Flanagan Branch where I was a Mortgage Lending Assistant and Branch Manager.

My banking experience has led me to my current position as a Mortgage Loan Officer in our Pontiac Loan Office. I am so happy to be back “home” and connect with friends and customers, both old and new! I enjoy getting to know folks while helping them finance their new home, or to refinance the one they have. My goal is to make the lending process a positive experience.

Besides appreciating my job, I love spending time with family, (especially our only granddaughter in WI) golfing, flower gardening, decorating, puzzles and travel.


Welcome to our family!

When you do business with us, you become a part of our family. You can count on us during the best and worst of times. We have been in business for more than 100 years and have continued to grow as we transform banking customers into family members. Together, we are “One Family, Helping Another” Flanagan State Bank offers personal and business accounts and services, including:


  • Checking
  • Savings & Investments
  • Identity Shield Services
  • Personal Loans
  • Home Loans
  • Business Loans
  • Ag Loans


Visit our Pontiac office today or contact us with questions!