# BANK OF YATES CITY
YATES CITY, IL · FDIC certificate 11715 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $89.1M | |
| Deposits | $80.4M | |
| Loans and leases | $59.1M | |
| Total equity | $8.1M | |
| Loans / deposits | 72.51% (p48 of band) | 73.59% |
| Liquid assets / assets | 30.64% (p45 of band) | |
| Uninsured deposits / deposits | 8.97% (p11 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.74% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -8.78% (p43 of band) | -6.57% |
| AOCI / equity | -2.02% (p12 of band) | |
| ROA (annualized) | 0.82% (p31 of band) | 1.17% |
| Net interest margin | 3.91% (p49 of band) | 3.93% |
| Efficiency ratio | 78.00% (p75 of band) | |
| Noncurrent loans | 4.27% (p96 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p84 of band) | |
| Reserve coverage of noncurrent | 34.59% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.3M (3.93% of loans; DQ 9.29%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | auto book souring |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | charge-offs p90, uninsured deposits leaving | auto book souring |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, losing money |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 | noncurrent p90 | charge-offs p90 |
| 2017-12 | 4 | deposits shrinking, assets shrinking |  |
| 2018-03 | 5 | losing money, expense ratio p90 | noncurrent p90 |
| 2018-06 | 1 |  | deposits shrinking, assets shrinking, losing money, expense ratio p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 5 | capital falling, noncurrent p90, charge-offs p90, uninsured deposits leaving |  |
| 2020-03 | 5 | losing money | noncurrent p90 |
| 2020-06 | 6 | noncurrent p90 |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 4 |  | capital falling, uninsured deposits leaving |
| 2021-03 | 1 |  | charge-offs p90, losing money, noncurrent p90 |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | noncurrent p90 |  |
| 2022-03 | 3 | capital falling | charge-offs p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, charge-offs p90 | noncurrent p90, capital falling |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | charge-offs p90, securities losses >30% of equity |
| 2023-03 | 1 | capital falling | reserve under noncurrent, AOCI drag >20% of equity |
| 2023-06 | 1 | reserve under noncurrent | capital falling |
| 2023-09 | 0 |  | reserve under noncurrent |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 2 | noncurrent p90 |  |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | capital falling | charge-offs p90 |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-03 [Obituary information for Raymond "Pete" E. Graves - Oaks-Hines Funeral Home](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRW5WT19kMlBsNi0xR2NSYzNiNXFIWlYwMUxBNVZsWDV5WjZKbWJGbGlzYzJBRkI3RmZXVGFBRTJDNGZGcXJmcTJBRk1kV0tWQVU0Vkdfc190YTBKNjZpbVNjSkk0Tzl1aGpqNXZ2aW02Z1lkWU9NaURlcVp0c0J6bWtrRnlkSFpIXzV3?oc=5) · Oaks-Hines Funeral Home
- 2022-09-16 [Carol Jean Young Obituary - Galesburg Register Mail](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBBX1NvMnBZTXNNWGhLOFlNYllJU2pENFBqVlBuZVhRWkJJQTlYY3R3OU9FaXZIc09mRjF1YWg5MlNMM2NSTUxFWDB6NmptQkZvVHFjeTI4UnE?oc=5) · Galesburg Register Mail
- 2015-10-09 [Kevin Patterson Obituary (1958 - 2015) - Canton, IL - Peoria Journal Star - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOTBYNzhIQWN0SDk5QWw3LWg5ckRiaFVzQWNrMlJlQkxaWlE3ZEVibzllQjgwZzc3SV9kcllKRm9TS0xGZmlZVzE5eEI2a216Sng1WERGX0Y5TUp0T0N6a0VnZmh3bDdPbko1Ry1JVHFaclBpQWE1c0hHdWI1bUdVbGpMcUhmaENuLWNkU19B?oc=5) · Legacy obituary
- 2008-08-27 [Jeanne McMullen - Legacy obituary](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPTlhWMlMyNG9uNGdQY000ejBDSVNqNm1wUFBReWh1WEVOUDFwSGJEakgzYVlaREJNQktsZk1qZl9Uam50Q1BhYm1YN0FQVjJyWFBrSGlSYVZWbUtFdndyd3dZV0FOTU1ndTBvRkRCV3diNWZ0Z0c2U3JZTVZfclZYSW41dGNWRnI0QTU1OTdQYTVXT0hUVDFaWWhhR3Zud3k2TFpWUlR5R2JQWHR2VXA2dHZjbWpVZC1rUFEzaVUzMmNFYnBSQ1liYTRhNW01QldaLVRRTG11MHRzZ1NBTDlpWHJZMHRLbzdXQmFTZ3hNZWFHcUp4VDlhMVFn?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11715 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "11715", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide