Bank of Yates City: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets climbed 1.80 percentage points in Q3 2026, from 66.39% to 68.19%. 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). Bank of Yates City reported 75.26% on loan-to-deposit ratio for Q3 2026, 7.64 points above the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $59.2M |
| Net loans and leases | $58.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.19% |
| Loan-to-deposit ratio | 75.26% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.81% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 9.96% |
| Consumer | 6.59% |
| Credit cards | 0.00% |
| Farm | 23.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.38% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.76% |
| Interest income on loans | $846K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $67.5M | $75.4M | 16.07% | 13.57% | 7.17% |
| Q1 2024 | $66.2M | $75.2M | 15.93% | 13.44% | 7.32% |
| Q2 2024 | $66.6M | $74.0M | 15.54% | 13.40% | 7.48% |
| Q3 2024 | $68.3M | $77.1M | 16.01% | 12.55% | 7.46% |
| Q4 2024 | $66.7M | $80.1M | 15.49% | 11.70% | 7.48% |
| Q1 2025 | $63.3M | $83.3M | 15.74% | 11.61% | 7.71% |
| Q2 2025 | $62.3M | $80.1M | 17.21% | 11.12% | 7.54% |
| Q3 2025 | $62.5M | $80.4M | 17.54% | 11.51% | 7.59% |
| Q4 2025 | $62.0M | $80.1M | 17.00% | 11.09% | 7.22% |
| Q1 2026 | $59.0M | $80.1M | 15.95% | 10.71% | 7.26% |
| Q2 2026 | $59.1M | $80.4M | 16.46% | 11.43% | 6.89% |
| Q3 2026 | $59.2M | $78.7M | 15.81% | 9.96% | 6.59% |
Bank of Yates City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yates City, freeSource: Call Report Schedule RC-C, 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)