BANK OF YATES CITY

YATES CITY, IL | Micro | Est. Jan. 1, 1871, midnight | FDIC #11715 | RSSD #371849 | FDIC
Latest Report: 2025-12-31

BANK OF YATES CITY is amn micro FDIC-insured commercial bank headquartered in YATES CITY, IL, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $89M and total deposits of $80M. Profitability stands at 0.58% ROA and 6.58% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 8.90%. Asset quality metrics show a non-performing loan ratio of 3.13% and a Texas Ratio of 22.51%. FDIC Certificate #11715.

Assets

$89M

Deposits

$80M

Loans

$62M

Equity

$8M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 6.58%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.47%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 3.13%
Net Charge-Off Ratio 0.51%
Texas Ratio 22.51%
NPA Ratio 2.23%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 8.90%
Tier 1 Capital 8.90%
Total Capital Ratio 9.35%
Leverage Ratio 9.26%
Loan-to-Deposit 77.41%

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