Yoakum, TX · Cert 5595 · Yoakum National Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Odessa, TX · 2026 SOD (annual) · 1.5% share · #14 of 18 inst. · $0.1B of $4.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.71% | 0.89% | 0.89% | 0.90% | 0.16% | 1.00% | 1.03% | +13 bps | |
| Return on Equity | 8.69% | 9.40% | 11.71% | 11.33% | 11.03% | 1.97% | 12.07% | 12.20% | +87 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.66% | 3.38% | 3.55% | 3.62% | 4.09% | 4.05% | +68 bps | |
| Efficiency Ratio | 74.26% | 72.62% | 69.55% | 69.20% | 69.95% | 68.18% | 68.56% | 67.89% | -132 bps | |
| Non-Interest Burden | 2.33% | 2.30% | 2.46% | 2.25% | 2.41% | 2.40% | 2.72% | 2.67% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.08% | 5.37% | 5.49% | 13.98% | 14.32% | 16.24% | 14.93% | 5.02% | -896 bps | |
| Loan Growth (YoY) | 12.33% | 12.10% | 10.94% | 18.24% | 9.79% | 4.81% | 4.70% | -3.03% | -2,127 bps | |
| Deposit Growth (YoY) | 12.58% | 11.23% | 11.46% | 26.10% | 26.17% | 23.53% | 21.57% | 4.79% | -2,131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.10% | 1.15% | 1.14% | 1.10% | 0.07% | 0.19% | -96 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.03% | -0.01% | -0.01% | 1.76% | 0.02% | 0.01% | +2 bps | |
| Allowance / Loans | 1.17% | 1.19% | 1.19% | 1.15% | 1.21% | 1.13% | 1.13% | 1.18% | +3 bps | |
| Allowance Coverage of NPLs | 480.4x | 31.6x | 12.1x | 1.0x | 1.1x | 1.0x | 15.5x | 6.2x | +5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.23% | 10.52% | 9.70% | 9.61% | 8.91% | 9.28% | 9.43% | -27 bps | |
| Total Risk-Based Capital | 10.46% | 10.23% | 10.52% | 9.70% | 9.61% | 8.91% | 9.28% | 9.43% | -27 bps | |
| Equity / Assets | 8.09% | 7.41% | 7.74% | 8.44% | 8.97% | 8.19% | 8.41% | 8.68% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.46% | 75.00% | 75.76% | 69.29% | 66.54% | 63.64% | 65.25% | 64.12% | -517 bps | |
| Liquid Assets / Assets | 4.89% | 5.04% | 3.85% | 2.84% | 6.89% | 10.23% | 7.50% | 8.80% | +596 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 340% | 344% | n/a | n/a | |