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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

$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

5.04%Q2 ’244.88%Q2 ’254.96%Q2 ’26-6%+10%

Non-interest income vs. expense

2.89%Q2 ’242.82%Q2 ’253.15%Q2 ’26+0%+24%

Executive Summary

  • Earnings: ROA of 0.43%, down 19 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 4.27% of loans (+55 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

0.43%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+33 bps YoY

Efficiency Ratio (quarter, annualized)

86.49%+832 bps YoY

Tier 1 Leverage Ratio

9.74%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.19%0.46%0.86%0.43%-19 bps
Return on Equity7.84%2.28%5.19%9.58%4.73%-311 bps
Net Interest Margin3.39%3.59%3.66%3.58%3.72%+33 bps
Efficiency Ratio78.16%75.68%76.64%69.82%86.49%+832 bps
Non-Interest Burden2.60%2.66%2.75%2.44%3.23%+63 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 / Loans0.33%1.84%-0.18%0.12%0.10%-23 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