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
Unfavorable gap of $2.5M · efficiency ratio beats 19% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.70% | 1.03% | 1.34% | Beats 21% | 119 / 151 | | |
| Return on Equity | 7.12% | 6.74% | 9.34% | 12.94% | Beats 28% | 108 / 151 | | |
| Net Interest Margin | 3.65% | 3.02% | 3.43% | 3.83% | Beats 68% | 49 / 151 | | |
| Efficiency Ratio | 78.00% | 54.64% | 64.89% | 72.50% | Beats 19% | 124 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.27% | 0.20% | 0.66% | 1.77% | Beats 7% | 139 / 149 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.07% | Beats 27% | 110 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.83% | 14.17% | 18.66% | Beats 1% | 149 / 151 | | |
| Total Risk-Based Capital Ratio | 9.74% | 12.22% | 14.54% | 19.92% | Beats 1% | 149 / 151 | | |
| Equity / Assets | 9.06% | 9.10% | 10.65% | 12.40% | Beats 24% | 115 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.60% | 54.39% | 71.02% | 80.75% | 55th pctl | 67 / 149 | | |
| Loans / Assets | 66.39% | 45.91% | 61.31% | 68.01% | 68th pctl | 48 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |