Bank of Yates City: how it compares with its peers
Against 87 IL banks with half to twice its assets, Bank of Yates City's strongest measure in Q2 2026 is net interest margin (3.91% vs. a 3.73% peer median). Its weakest relative measure is efficiency ratio (78.00% vs. 65.82%).
| Measure | Bank of Yates City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.82% | 1.09% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.73% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.00% | 65.82% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.2M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.51% | 65.44% | Context |
What it means for lending operations
Its efficiency ratio of 78.00% is above the 65.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Stronghurst Stronghurst, IL · $88M
- The Old Exchange National Bank of Okawville Okawville, IL · $91M
- Mason City National Bank Mason City, IL · $91M
- Farmers and Merchants State Bank of Bushnell Bushnell, IL · $86M
- Villa Grove State Bank Villa Grove, IL · $86M
- Williamsville State Bank & Trust Williamsville, IL · $94M
Questions about Bank of Yates City
How big is Bank of Yates City?
Bank of Yates City, established in 1871, is headquartered in Yates City, IL. It reported $89M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Yates City's return on assets?
0.82% annualized in Q2 2026, against a 1.09% median for 87 IL banks with half to twice its assets, ahead of 36% of them.
What is Bank of Yates City's efficiency ratio?
78.00% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is Bank of Yates City growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits grew 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.