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Bank of Yates City

Yates City, IL · Cert 11715 · First Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Yates City

Yates City, IL · Cert 11715 · First Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.1MAssets
$59.1MLoans
$80.4MDeposits
$8.1MEquity
Loan mix
80%RE $41.9M12%C&I $6.3M8%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $66.7M17%Noninterest $13.6MQ2 2025Q2 2026

NIM

4.91%Q2 ’244.82%Q2 ’254.86%Q2 ’26-5%+10%

Non-interest income vs. expense

2.80%Q2 ’242.67%Q2 ’252.89%Q2 ’26-3%+15%

Executive Summary

  • Earnings: ROA of 0.65%, unchanged from a year ago; NIM at 3.65%.
  • Asset quality: problem loans at 4.27% of loans (+55 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.74%, up 52 bps from a year ago.
  • Funding: loans stand at 73.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%0 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+32 bps YoY

Efficiency Ratio (YTD, annualized)

78.00%+264 bps YoY

Tier 1 Leverage Ratio

9.74%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.49%0.49%0.86%0.65%0 bps
Return on Equity8.18%6.12%5.89%9.58%7.16%-102 bps
Net Interest Margin3.33%3.43%3.44%3.58%3.65%+32 bps
Efficiency Ratio75.36%75.47%75.79%69.82%78.00%+264 bps
Non-Interest Burden2.45%2.53%2.55%2.44%2.83%+38 bps
Growth
Asset Growth (YoY)6.85%4.69%1.27%-2.33%1.16%-569 bps
Loan Growth (YoY)-6.51%-8.52%-7.09%-6.70%-5.07%+144 bps
Deposit Growth (YoY)8.23%4.25%-0.03%-3.74%0.26%-797 bps
Asset Quality
Nonperforming Loans / Loans3.72%3.24%3.34%4.40%4.27%+55 bps
Net Charge-Offs / Loans0.18%0.73%0.51%0.12%0.11%-7 bps
Allowance / Loans1.51%1.28%1.46%1.50%1.48%-3 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.22%9.34%9.26%9.63%9.74%+52 bps
Total Risk-Based Capital9.22%9.34%9.26%9.63%9.74%+52 bps
Equity / Assets8.16%8.64%8.90%9.13%9.06%+90 bps
Liquidity & Funding
Loans / Deposits77.73%77.67%77.41%73.67%73.60%-413 bps
Liquid Assets / Assets4.13%4.43%3.08%5.75%2.83%-130 bps
CRE / Total Capitaln/a133.11%126.71%110.11%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Yates City

Yates City, IL · Cert 11715 · Peer group: banks under $1B in assets in IL (n=149-151) · First Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.1MAssets
$59.1MLoans
$80.4MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks under $1B in assets in IL (rank 49 of 151).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in IL (rank 149 of 151).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.65%

Rank 119 of 151

Net Interest Margin

3.65%

Rank 49 of 151

Efficiency Ratio

78.00%

Rank 124 of 151

Equity / Assets

9.06%

Rank 115 of 151

Non-interest income vs. expense

$0.1M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 19% of banks under $1B in assets in IL
Bank 78.00%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.70%1.03%1.34%Beats 21%119 / 151
Return on Equity7.12%6.74%9.34%12.94%Beats 28%108 / 151
Net Interest Margin3.65%3.02%3.43%3.83%Beats 68%49 / 151
Efficiency Ratio78.00%54.64%64.89%72.50%Beats 19%124 / 151
Asset Quality
Nonperforming Loans / Loans4.27%0.20%0.66%1.77%Beats 7%139 / 149
Net Charge-Offs / Loans0.06%0.00%0.02%0.07%Beats 27%110 / 149
Capital
Tier 1 Capital Ratio9.74%11.83%14.17%18.66%Beats 1%149 / 151
Total Risk-Based Capital Ratio9.74%12.22%14.54%19.92%Beats 1%149 / 151
Equity / Assets9.06%9.10%10.65%12.40%Beats 24%115 / 151
Liquidity & Funding
Loans / Deposits73.60%54.39%71.02%80.75%55th pctl67 / 149
Loans / Assets66.39%45.91%61.31%68.01%68th pctl48 / 151
Brokered Deposits / Depositsn/aNot reported for this institution