BlastPoint's Banking Scorecard
Bank of Yates City
Designations: ✓ Community bank
Yates City, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +0.3% year over year ($80.4M on the books).
- Delinquency rate 4.33%.
- Return on assets 0.82%.
- Efficiency ratio 78.00% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.51% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Yates City has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.40% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.85% above tier average
- - Nonperforming Asset Ratio 2.00% above tier average
- - Non-Interest Income / Assets 1.35% below tier average
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.1M
+1.2% YoY
+0.2% QoQ
|
+$26.6M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 14.9% in tier |
| Total Loans ? |
$58.3M
-5.0% YoY
+0.2% QoQ
|
+$23.4M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
85% |
| Total Deposits ? |
$80.4M
+0.3% YoY
+0.3% QoQ
|
+$28.7M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 9.1% in tier |
| Return on Assets ? |
0.82%
+0.3% YoY
-25.1% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
3.91%
+9.5% YoY
+1.8% QoQ
|
+0.00% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
78.00%
+3.5% YoY
+11.7% QoQ
|
-41.40% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
4.33%
+14.8% YoY
-2.9% QoQ
|
+2.85% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.2% in tier |
| Loan-to-Deposit Ratio ? |
72.51%
-5.3% YoY
-0.1% QoQ
|
-1.70% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
16.98%
+7.5% YoY
-4.0% QoQ
|
-6.51% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
2.83%
+7.8% YoY
-4.1% QoQ
|
+2.00% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
9.74%
+5.6% YoY
+1.1% QoQ
|
-17.39% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.03%
-73.8% YoY
-42.3% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.0%
+1.2pp YoY -0.7pp QoQ |
-7.7pp | 24.6% | 20.1% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
+0.3pp YoY +0.7pp QoQ |
-1.8pp | 13.4% | 14.7% | 12.5% | 57% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
31.6%
-1.0pp YoY -1.1pp QoQ |
-3.4pp | 35.0% | 28.3% | 31.3% | 51% |
| Consumer |
7.0%
-0.7pp YoY -0.4pp QoQ |
-0.7pp | 7.7% | 5.4% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
9.7%
+0.5pp YoY +0.1pp QoQ |
-8.0pp | 17.7% | 12.2% | 12.6% | 15% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
+3 | 12 | 228 | 482 | 73% |
| Assets per Employee ($) |
$5.9M
+1.2% YoY +0.2% QoQ |
-$249K | $6.2M | $8.3M | $8.8M | 49% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.3pp YoY -0.7pp QoQ |
-0.4pp | 1.0% | 0.4% | 0.4% | 55% |
| Nonaccrual |
3.8%
+0.3pp YoY +0.6pp QoQ |
+2.0pp | 1.7% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
0.35x
-14.9% YoY +1.1% QoQ |
-6.06x | 6.41x | 5.62x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
-1.3pp YoY -3.1pp QoQ |
+2.7pp | 6.4% | 10.5% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 45% |
| Net Income ($, YTD) |
$366,000
+0.3% YoY — QoQ |
+$48K | $317,817 | $11.7M | $40.4M | 60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.