Bank of Yates City is a state-chartered bank headquartered in Yates City, Illinois, in business for about 155 years. At the end of Q2 2026 it reported $89.1M in total assets and $80.4M in deposits, with 2 offices.
Bank of Yates City has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 310th. Funding & liquidity contributes the most (88/100, 73% loans-to-deposits, 9% uninsured); loan quality contributes the least (0/100, 4.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (40 → 42), mostly because the capital cushion component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 40 |
| Q4 2024 | 36 |
| Q1 2025 | 39 |
| Q2 2025 | 40 |
| Q3 2025 | 40 |
| Q4 2025 | 40 |
| Q1 2026 | 44 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.51% |
| Q3 2024 | 9.56% |
| Q4 2024 | 8.98% |
| Q1 2025 | 8.87% |
| Q2 2025 | 9.22% |
| Q3 2025 | 9.34% |
| Q4 2025 | 9.26% |
| Q1 2026 | 9.63% |
| Q2 2026 | 9.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.73% |
| Q3 2024 | 3.03% |
| Q4 2024 | 4.09% |
| Q1 2025 | 3.90% |
| Q2 2025 | 3.72% |
| Q3 2025 | 3.24% |
| Q4 2025 | 3.34% |
| Q1 2026 | 4.40% |
| Q2 2026 | 4.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.62% |
| Q1 2026 | 1.10% |
| Q2 2026 | 0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $89.1M | 9.74% | 4.27% | 0.82% | 72.5% |
| Q1 2026 | 44 | $88.9M | 9.63% | 4.40% | 1.10% | 72.6% |
| Q4 2025 | 40 | $88.6M | 9.26% | 3.34% | 0.62% | 76.3% |
| Q3 2025 | 40 | $88.9M | 9.34% | 3.24% | 0.63% | 76.7% |
| Q2 2025 | 40 | $88.1M | 9.22% | 3.72% | 0.82% | 76.6% |
| Q1 2025 | 39 | $91.1M | 8.87% | 3.90% | 0.84% | 74.8% |
| Q4 2024 | 36 | $87.5M | 8.98% | 4.09% | 0.66% | 82.1% |
| Q3 2024 | 40 | $84.9M | 9.56% | 3.03% | 0.77% | 87.3% |
| Q2 2024 | 43 | $82.4M | 9.51% | 2.73% | 0.94% | 88.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StronghurstBank Stronghurst, IL | 70 out of 100, Strong | $87.6M | 14.2% | 1.69% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |
| Mason City National BankBank Mason City, IL | 96 out of 100, Very strong | $91.4M | 15.3% | 0.04% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Villa Grove State BankBank Villa Grove, IL | 86 out of 100, Very strong | $85.9M | 12.2% | 0.00% | vs |
| Williamsville State Bank & TrustBank Williamsville, IL | 73 out of 100, Strong | $93.8M | 14.5% | 1.04% | vs |
Deposit insurance
Is my money safe at Bank of Yates City?
Yes. Bank of Yates City is an FDIC-insured institution (FDIC certificate #11715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.0% of deposits ($7.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.74%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Bank of Yates City lists 2 offices in 2 cities. Most locations:
- Farmington, IL (1)
- Yates City, IL (1)
Identity & history
Profile
- Legal name
- Bank of Yates City
- Type
- State-chartered bank
- FDIC certificate #
- 11715
- RSSD ID
- 371849
- Primary regulator
- FDIC
- Holding company
- First Bcorp Inc
- Established
- January 1, 1871
- Headquarters
- 107 E Main St, Yates City, IL 61572
- Website
- www.bankofyatescity.com
- Employees
- 15
Quick answers
Bank of Yates City: common questions
Is Bank of Yates City FDIC insured?
Yes. Bank of Yates City is an FDIC-insured institution (FDIC certificate #11715). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Yates City's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Yates City ever failed?
There is no failure record for FDIC certificate #11715 in the FDIC failed bank list.
How many branches does Bank of Yates City have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Yates City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Galesburg Burlington Credit UnionCredit union Galesburg, IL | 96 out of 100, Very strong | $56.8M | 28.5% | 0.23% | vs |
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
| United Equity Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $66.2M | 18.7% | 0.23% | vs |
| Peoria Hiway Credit UnionCredit union Peoria, IL | 85 out of 100, Very strong | $6.6M | 13.7% | 0.14% | vs |
| Fairview State Banking CompanyBank Fairview, IL | 83 out of 100, Strong | $40.9M | 14.3% | 0.61% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |