BlastPoint's Banking Scorecard
Bank of Yates City
Micro
Specialty: Agricultural
IL
FDIC cert 11715
Designations: ✓ Community bank
Yates City, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Bank of Yates City faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.75% above tier
- - Nonperforming Asset Ratio 1.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.6M
+1.3% YoY
-0.3% QoQ
|
-$128.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$61.1M
-7.1% YoY
-1.0% QoQ
|
-$78.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$80.1M
-0.0% YoY
-0.5% QoQ
|
-$103.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.62%
-6.9% YoY
-2.0% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.74%
+2.6% YoY
+2.3% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
75.79%
-2.1% YoY
+0.4% QoQ
|
+8.06% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
3.39%
-18.5% YoY
+3.2% QoQ
|
+2.75% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
76.28%
-7.1% YoY
-0.5% QoQ
|
+1.76% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
17.98%
-2.1% YoY
+12.9% QoQ
|
-4.41% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
2.38%
-23.9% YoY
+2.4% QoQ
|
+1.92% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-13.1% YoY
+37.1% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.39%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.28% · Tier avg: 74.53%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 22.39%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
27
27th pctile
Efficiency Ratio
Current: 75.79% · Tier avg: 67.73%
25
25th pctile
Total Loans
Current: $61.1M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
22
22th pctile
Total Deposits
Current: $80.1M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $88.6M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 3.39% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.39% · Tier avg: 0.64%
19
19th pctile
Total Assets
Current: $88.6M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $80.1M · Tier avg: $183.7M
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
25
25th pctile
Total Loans
Current: $61.1M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.79% · Tier avg: 67.73%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.98% · Tier avg: 22.39%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.28% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%