Yoakum Bank
Yoakum, TX · Cert 5595 · Peer group: banks under $1B in assets in TX (n=208-211) · Yoakum National Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$385.8MAssets
$224.7MLoans
$350.4MDeposits
$33.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 62% of banks under $1B in assets in TX (rank 82 of 208).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in TX (rank 203 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.02%
Rank 131 of 211
Net Interest Margin
4.05%
Rank 83 of 211
Efficiency Ratio
68.91%
Rank 139 of 211
Equity / Assets
8.68%
Rank 184 of 211
Non-interest income vs. expense
Unfavorable gap of $10.6M · efficiency ratio beats 35% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.87% | 1.20% | 1.65% | Beats 38% | 131 / 211 | |
| Return on Equity | 11.79% | 7.52% | 11.67% | 14.58% | Beats 50% | 105 / 211 | |
| Net Interest Margin | 4.05% | 3.28% | 3.82% | 4.31% | Beats 61% | 83 / 211 | |
| Efficiency Ratio | 68.91% | 53.01% | 64.18% | 73.65% | Beats 35% | 139 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.01% | 0.30% | 1.10% | Beats 57% | 91 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 62% | 82 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.43% | 11.72% | 14.45% | 19.57% | Beats 4% | 203 / 211 | |
| Total Risk-Based Capital Ratio | 9.43% | 11.94% | 14.78% | 20.30% | Beats 4% | 203 / 211 | |
| Equity / Assets | 8.68% | 9.41% | 11.06% | 12.94% | Beats 13% | 184 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 64.12% | 45.39% | 66.56% | 82.03% | 47th pctl | 111 / 208 | |
| Loans / Assets | 58.24% | 39.13% | 56.90% | 70.46% | 52nd pctl | 101 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |