Bank of Yates City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Yates City of Yates City, IL against its peer group of 536 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.28% | 0.82% | -0.54% | 9th bottom |
| ROAE | 3.28% | 4.81% | -1.53% | 9th bottom |
| Net Interest Margin | 3.78% | 3.95% | -0.17% | 41st below |
| Efficiency Ratio | 89.88% | 75.77% | +14.11% | 6th bottom |
| PPNR / Avg Assets | 0.26% | — | — | 9th bottom |
| Yield on Earning Assets | 5.11% | 5.44% | -0.33% | 47th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.47% | 1.71% | -0.24% | 47th below |
| Net Interest Spread | 3.39% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.67% | 1.40% | +3.27% | 0th bottom |
| NPA / Total Assets | 3.18% | — | — | 0th bottom |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 78th top |
| ACL / Total Loans | 1.48% | — | — | 66th above |
| ACL / NPLs (Coverage) | 31.67% | — | — | 0th bottom |
| Texas Ratio | 35.45% | 8.94% | +26.51% | 0th bottom |
| Provision / NCO | 0.00% | — | — | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.88% | 14.21% | -4.33% | 9th bottom |
| Equity / Assets | 8.42% | 13.16% | -4.74% | 9th bottom |
| TCE / Tangible Assets | 8.42% | — | — | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.26% | 69.13% | +6.13% | 38th below |
| Core Deposit Ratio | 91.09% | 88.78% | +2.31% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.32% | — | — | 16th bottom |
| Loan Growth (Y/Y) | -5.23% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | -2.19% | — | — | 25th below |
See Bank of Yates City's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Yates City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Yates City profile, how to read a UBPR, or how this data updates.