FDIC Cert #11715 · Yates City, Illinois · Est. 1871

Bank of Yates City - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$89M
Total assets
D
Health grade · Weak
0.62%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Yates City earns a PlainBankData health grade of D (46/100), with 9.26% Tier 1 capital, 0.62% ROA, 76% efficiency ratio.

#3,827
largest of 4,313 FDIC banks by assets
11th
percentile by asset size, nationally
9.26%
Tier 1 ratio - below the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 11715 · IL D · 46/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-D D (46/100)
  • BOTTOM-DECILE #4178/4307
  • PHOTO-FINISH Ameristate Bank · OK
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-HEALTHY 23.5% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Ameristate Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Yates City

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100AllNations Bank · OK · near46/100Ameristate Bank · OK · near46/100Bank of Yates City · IL · th…46/100Border Bank · ND · near46/100First National Bank… · TX · …46/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Yates City · July 2026

Call Report read for Bank of Yates City in a high-failure state

Bank of Yates City (FDIC Cert #11715) carries a PlainBankData health grade of D at 46/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,178 of 4,307. Tier 1 capital prints at 9.26%, missing the 10% well-capitalized line. The Texas Ratio is 23.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $89M, 3,827th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ameristate Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Yates City

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Bank of Yates City sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Bank of Yates City's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Bank of Yates City's 46/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10046/100
Bank of Yates City's composite health score
Tier 1 Capital Ratio (9.26%) 18/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (23.51%) 10/20
Efficiency Ratio (75.79%) 4/15

46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$89M

Total balance-sheet footings

Total Deposits

$80M

Customer-funded liabilities

Net Loans

$61M

Outstanding loan book

Net Income

$547K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.86% 9.26% 10.66%
Basel III capital ratios - Bank of Yates City

Where Bank of Yates City ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Yates City's score of 46/100 falls in the highlighted band.

Bank of Yates City: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

46 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Yates City 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Yates City's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Yates City's $89M falls in the highlighted band.

Capital & credit buffers at Bank of Yates City

Tier 1 capital ratio
Well-capitalized 10%

9.26% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.26%
Texas Ratio
23.51%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Bank of Yates City

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
7.47%
Efficiency Ratio
75.79%

What these mean →

Income & expense at Bank of Yates City

$4M
Interest Income
$205K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Yates City reports a Texas Ratio of 23.51% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

23.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Bank of Yates City

Bank of Yates City's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.26% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Yates City up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Bank of Yates City on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($89M here), outside Illinois so the neighborhood is not state containment.

Atascosa Bank $89M · TX Belt Valley Bank $89M · MT The State Bank $89M · IA Independence State Bank $88M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Yates City (FDIC Cert #11715) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Yates City Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%