BlastPoint's Banking Scorecard

Yoakum Bank

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

Yoakum, TX

5 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Yoakum Bank has 2 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 14.9% in tier
+ Net Interest Margin 0.55% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 3.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$382.0M +14.9% YoY -0.6% QoQ	-$4.1M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$224.6M +4.8% YoY +2.0% QoQ	-$31.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$348.1M +21.6% YoY -0.5% QoQ	+$20.1M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.27% +13.3% YoY +545.8% QoQ	+0.00%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	4.48% +13.7% YoY +4.9% QoQ	+0.55%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	68.56% -1.4% YoY +0.6% QoQ	+3.27%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.07% -26.0% YoY -93.4% QoQ	-0.81%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	64.51% -13.8% YoY +2.5% QoQ	-12.13%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	33.05% +12.4% YoY +1.9% QoQ	+11.03%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 12.4% in tier
Nonperforming Asset Ratio ?	0.04% -32.5% YoY -93.2% QoQ	-0.59%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	9.28% -11.8% YoY +4.1% QoQ	-6.55%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Bottom 2.2% in tier
Non-Interest Income / Assets ?	0.08% +18.7% YoY -68.1% QoQ	-0.20%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Credit Quality Leader

growth

#100 of 664 • Top 14.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

332

Non-Interest-Bearing Deposit Share

funding

Value: 33.05%

Peer Median: 22.02%

#332 of 2664 Top 12.4% in $100M-$1B

500

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.93%

#500 of 2664 Top 18.7% in $100M-$1B

561

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#561 of 2664 Top 21.0% in $100M-$1B

621

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#621 of 2654 Top 23.4% in $100M-$1B

651

Loan-to-Deposit Ratio

liquidity

Value: 64.51%

Peer Median: 76.64%

#651 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2607

Tier 1 Capital Ratio

capital

Value: 9.28%

Peer Median: 15.83%

#2607 of 2664 Bottom 2.2% in $100M-$1B