Bank of Yates City: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 41.8% in Q3 2026, from $3.7M to $2.1M. It was the largest change from Q2 2026 among the key lines here. Bank of Yates City ranks 165th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 75.26% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Yates City sits 7.64 points higher, at 75.26% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.26% |
| Net loans and leases to deposits | 74.15% |
| Loans and leases to core deposits | 82.63% |
| Core deposits to total deposits | 91.09% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 89.44% | 95.39% | $135K | $1.5M |
| Q1 2024 | 88.05% | 95.34% | $0 | $0 |
| Q2 2024 | 89.98% | 95.23% | $1.0M | $0 |
| Q3 2024 | 88.52% | 93.59% | $0 | $0 |
| Q4 2024 | 83.29% | 92.24% | $0 | $0 |
| Q1 2025 | 76.00% | 92.17% | $0 | $0 |
| Q2 2025 | 77.73% | 91.47% | $0 | $0 |
| Q3 2025 | 77.67% | 92.16% | $0 | $0 |
| Q4 2025 | 77.41% | 91.96% | $0 | $0 |
| Q1 2026 | 73.67% | 92.48% | $0 | $0 |
| Q2 2026 | 73.60% | 92.13% | $0 | $0 |
| Q3 2026 | 75.26% | 91.09% | $0 | $0 |
Bank of Yates City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yates City, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Yates City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11715) · FFIEC NIC profile (RSSD 371849)