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Yoakum Bank

Yoakum, TX · Cert 5595 · Yoakum National Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$385.8MAssets
$224.7MLoans
$350.4MDeposits
$33.5MEquity
Loan mix
82%RE $174.8M17%C&I $35.9M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $228.6M35%Noninterest $121.9MQ2 2025Q2 2026

NIM

5.07%Q2 ’244.78%Q2 ’255.13%Q2 ’26+7%+20%

Non-interest income vs. expense

2.58%Q2 ’242.50%Q2 ’252.99%Q2 ’26-3%+19%

Market Position · Odessa, TX · 2026 SOD (annual) · 1.5% share · #14 of 18 inst. · $0.1B of $4.0B

14.1% De Witt
1.5% Ector
14.1% Jackson
0.1% Fort Bend

Executive Summary

  • Earnings: ROA of 1.03%, up 13 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.19% of loans (-96 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.43%, down 27 bps from a year ago.
  • Funding: loans stand at 64.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+68 bps YoY

Efficiency Ratio (YTD, annualized)

67.89%-132 bps YoY

Tier 1 Leverage Ratio

9.43%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.90%0.16%1.00%1.03%+13 bps
Return on Equity11.33%11.03%1.97%12.07%12.20%+87 bps
Net Interest Margin3.38%3.55%3.62%4.09%4.05%+68 bps
Efficiency Ratio69.20%69.95%68.18%68.56%67.89%-132 bps
Non-Interest Burden2.25%2.41%2.40%2.72%2.67%+42 bps
Growth
Asset Growth (YoY)13.98%14.32%16.24%14.93%5.02%-896 bps
Loan Growth (YoY)18.24%9.79%4.81%4.70%-3.03%-2,127 bps
Deposit Growth (YoY)26.10%26.17%23.53%21.57%4.79%-2,131 bps
Asset Quality
Nonperforming Loans / Loans1.15%1.14%1.10%0.07%0.19%-96 bps
Net Charge-Offs / Loans-0.01%-0.01%1.76%0.02%0.01%+2 bps
Allowance / Loans1.15%1.21%1.13%1.13%1.18%+3 bps
Allowance Coverage of NPLs1.0x1.1x1.0x15.5x6.2x+5.2x
Capital
Tier 1 Leverage Ratio9.70%9.61%8.91%9.28%9.43%-27 bps
Total Risk-Based Capital9.70%9.61%8.91%9.28%9.43%-27 bps
Equity / Assets8.44%8.97%8.19%8.41%8.68%+24 bps
Liquidity & Funding
Loans / Deposits69.29%66.54%63.64%65.25%64.12%-517 bps
Liquid Assets / Assets2.84%6.89%10.23%7.50%8.80%+596 bps
CRE / Total Capitaln/a325%340%344%n/an/a