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Yoakum Bank

$100M-$1B Specialty: Commercial TX FDIC cert 5595

Yoakum, TX

5 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +4.8% year over year ($350.4M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.31%.
  • Efficiency ratio 67.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Yoakum Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 74.8% in tier
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 30.6% in tier
  • - Efficiency Ratio 3.41% above tier average
Get updates when Yoakum Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $385.8M
+5.0% YoY +1.0% QoQ
-$749K $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $222.1M
-3.1% YoY -1.1% QoQ
-$36.3M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $350.4M
+4.8% YoY +0.7% QoQ
+$23.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.31%
+16.4% YoY +3.3% QoQ
-0.01% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 4.53%
+11.9% YoY +1.1% QoQ
+0.54% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 67.89%
-1.9% YoY -1.0% QoQ
+3.41% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.19%
-83.5% YoY +161.3% QoQ
-0.73% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 63.36%
-7.5% YoY -1.8% QoQ
-14.59% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 34.78%
+12.2% YoY +5.2% QoQ
+12.75% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 10.1% in tier
Nonperforming Asset Ratio ? 0.11%
-84.7% YoY +155.8% QoQ
-0.56% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 9.43%
-2.7% YoY +1.6% QoQ
-6.48% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 4.3% in tier
Non-Interest Income / Assets ? 0.16%
+25.6% YoY +98.6% QoQ
-0.40% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 34.8%
+3.8pp YoY
+1.7pp QoQ
 +12.6pp 22.1% 29.2% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 16.0%
-1.3pp YoY
0.0pp QoQ
 +4.4pp 11.6% 14.8% 12.5% 79%
CRE 53.5%
+1.3pp YoY
-1.0pp QoQ
 +14.0pp 39.5% 48.4% 41.4% 76%
1-4 Family 17.4%
-3.2pp YoY
-0.2pp QoQ
 -15.3pp 32.6% 25.8% 31.3% 24%
Consumer 1.5%
-0.3pp YoY
0.0pp QoQ
 -2.6pp 4.1% 4.7% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 9.4%
-0.3pp YoY
+0.1pp QoQ
 -2.7pp 12.2% 12.6% 12.6% 20%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 54
-2 (-3.6%) YoY
-5 (-8.5%) QoQ
 -5 58 186 482 57%
Assets per Employee ($) $7.1M
+8.9% YoY
+10.4% QoQ
 -$373K $7.5M $10.1M $8.8M 55%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.2pp 0.3% 0.3% 0.4% 54%
Nonaccrual 0.1%
-1.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 15%
Allowance Coverage 6.17x
+519.3% YoY
-60.1% QoQ
 -17.98x 24.15x 18.82x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 46%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.6%
+1.3pp YoY
+0.3pp QoQ
 +3.4pp 12.2% 13.2% 11.6% 71%
Cost of Funds (YTD) 1.3%
-0.5pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 22%
Net Income ($, YTD) $2.5M
+30.1% YoY
— QoQ
 -$31K $2.6M $15.9M $40.4M 62%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#209 of 278 • Top 74.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 34.78%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.53%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk
#203 of 661 • Bottom 30.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.43%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

268
Non-Interest-Bearing Deposit Share
funding
Value: 34.78%
Peer Median: 22.03%
#268 of 2643 Top 10.1% in $100M-$1B
511
Net Interest Margin
profitability
Value: 4.53%
Peer Median: 3.99%
#511 of 2643 Top 19.3% in $100M-$1B
562
Loan-to-Deposit Ratio
liquidity
Value: 63.36%
Peer Median: 77.95%
#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2530
Tier 1 Capital Ratio
capital
Value: 9.43%
Peer Median: 15.91%
#2530 of 2643 Bottom 4.3% in $100M-$1B
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