Bank of Yates City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 5.85 percentage points lower than in Q2 2026, at 31.67%. Bank of Yates City has the 30th lowest return on assets of the 323 banks headquartered in Illinois, at 0.28% as of Q3 2026. Bank of Yates City's return on assets of 0.28% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.70 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 4.67% |
| Non-performing assets ratio | 3.18% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 35.45% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 31.67% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.28% |
| Return on equity | 3.28% |
| Net interest margin | 3.78% |
| Efficiency ratio | 89.88% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 75.26% |
| Core deposits to total deposits | 91.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.61% |
| Securities to assets | 26.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 8.82% | 0.68% | 3.44% | 1.37% | 0.06% |
| Q1 2024 | 9.17% | 0.90% | 3.44% | 1.69% | -0.04% |
| Q2 2024 | 9.51% | 0.99% | 3.75% | 2.68% | 0.16% |
| Q3 2024 | 9.56% | 0.43% | 3.64% | 3.27% | 0.77% |
| Q4 2024 | 8.98% | 0.35% | 3.61% | 4.11% | 0.14% |
| Q1 2025 | 8.87% | 0.82% | 3.45% | 3.84% | 0.02% |
| Q2 2025 | 9.22% | 0.80% | 3.57% | 3.67% | 0.33% |
| Q3 2025 | 9.34% | 0.24% | 3.80% | 3.48% | 1.84% |
| Q4 2025 | 9.26% | 0.57% | 3.96% | 3.39% | -0.18% |
| Q1 2026 | 9.63% | 1.09% | 3.89% | 3.40% | 0.12% |
| Q2 2026 | 9.74% | 0.55% | 3.96% | 3.93% | 0.10% |
| Q3 2026 | 9.88% | 0.28% | 3.78% | 4.67% | -0.01% |
Bank of Yates City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yates City, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)