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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 $4.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $66.7M17%Noninterest $13.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.52%0.66%0.65%0.49%0.49%0.86%0.65%0 bps
Return on Equity7.65%6.64%8.50%8.18%6.12%5.89%9.58%7.16%-102 bps
Net Interest Margin3.48%3.30%3.21%3.33%3.43%3.44%3.58%3.65%+32 bps
Efficiency Ratio74.97%77.44%72.46%75.36%75.47%75.79%69.82%78.00%+264 bps
Non-Interest Burden2.54%2.50%2.26%2.45%2.53%2.55%2.44%2.83%+38 bps
Growth
Asset Growth (YoY)-1.20%4.13%10.60%6.85%4.69%1.27%-2.33%1.16%-569 bps
Loan Growth (YoY)1.17%-1.14%-4.45%-6.51%-8.52%-7.09%-6.70%-5.07%+144 bps
Deposit Growth (YoY)3.13%6.17%10.70%8.23%4.25%-0.03%-3.74%0.26%-797 bps
Asset Quality
Nonperforming Loans / Loans3.03%4.09%3.90%3.72%3.24%3.34%4.40%4.27%+55 bps
Net Charge-Offs / Loans0.29%0.26%0.03%0.18%0.73%0.51%0.12%0.11%-7 bps
Allowance / Loans1.38%1.46%1.57%1.51%1.28%1.46%1.50%1.48%-3 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.4x0.4x0.4x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.56%8.98%8.87%9.22%9.34%9.26%9.63%9.74%+52 bps
Total Risk-Based Capital9.56%8.98%8.87%9.22%9.34%9.26%9.63%9.74%+52 bps
Equity / Assets8.31%7.74%7.78%8.16%8.64%8.90%9.13%9.06%+90 bps
Liquidity & Funding
Loans / Deposits88.52%83.29%76.00%77.73%77.67%77.41%73.67%73.60%-413 bps
Liquid Assets / Assets2.09%5.62%10.78%4.13%4.43%3.08%5.75%2.83%-130 bps
CRE / Total Capitaln/an/an/an/a133.11%126.71%110.11%n/an/a