BlastPoint's Banking Scorecard
Bank of Yates City
Designations: ✓ Community bank
Yates City, IL
2 branches across IL
Bank of Yates City has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 18.52% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.09% above tier average
- - Nonperforming Asset Ratio 2.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.9M
-2.3% YoY
+0.4% QoQ
|
+$26.8M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 14.4% in tier |
| Total Loans ? |
$58.2M
-6.6% YoY
-4.8% QoQ
|
+$23.9M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 13.3% in tier |
| Total Deposits ? |
$80.1M
-3.7% YoY
+0.1% QoQ
|
+$28.4M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.9% in tier |
| Return on Assets ? |
1.10%
+31.2% YoY
+78.5% QoQ
|
+0.26% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.84%
+10.0% YoY
+2.8% QoQ
|
-0.02% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
69.82%
-3.6% YoY
-7.9% QoQ
|
-18.52% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
4.46%
+12.5% YoY
+31.8% QoQ
|
+3.09% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.3% in tier |
| Loan-to-Deposit Ratio ? |
72.56%
-3.0% YoY
-4.9% QoQ
|
+8.34% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
17.70%
-2.6% YoY
-1.6% QoQ
|
-6.02% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
2.95%
+8.9% YoY
+24.3% QoQ
|
+2.17% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.2% in tier |
| Tier 1 Capital Ratio ? |
9.63%
+8.6% YoY
+4.0% QoQ
|
-17.05% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
-4.0% YoY
-78.1% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
43% |
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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.