YOAKUM BANK
YOAKUM BANK is an FDIC-insured commercial bank headquartered in YOAKUM, TX, established in 1890. As of , the bank reported total assets of $384M and total deposits of $350M. Profitability stands at -2.42% ROA and -28.26% ROE, with a net interest margin of 4.27%. CET1 capital ratio: 7.46%. NPL ratio: 1.22% · Texas Ratio: 8.00%. Operates 5 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Yoakum Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 7.46% | -2.42% | 1.22% | 8.00% | 4.27% |
| 2025-09-30 | 8.20% | 1.15% | 1.14% | 7.09% | 4.38% |
| 2025-06-30 | 7.65% | 1.15% | 1.27% | 8.74% | 4.11% |
| 2025-03-31 | 7.74% | 1.12% | 0.03% | 0.26% | 3.83% |
| 2024-12-31 | 7.41% | 1.08% | 0.02% | 0.15% | 3.84% |
| 2024-09-30 | 8.09% | 0.92% | 0.00% | 0.02% | 3.59% |
| 2024-06-30 | 7.30% | 0.73% | 0.00% | 0.03% | 3.37% |
| 2024-03-31 | 7.39% | 0.81% | 0.01% | 0.04% | 3.28% |
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Frequently asked about YOAKUM BANK
What are Yoakum Bank's total assets?
As of the Q4 2025 filing, Yoakum Bank reported total assets of $384.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Yoakum Bank headquartered?
Yoakum Bank is headquartered in YOAKUM, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Yoakum Bank founded?
Yoakum Bank was established in 1890, per the FDIC institution directory.
Is Yoakum Bank FDIC-insured?
Yes. Yoakum Bank is an FDIC-insured commercial bank (FDIC Certificate #5595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Yoakum Bank?
Yoakum Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Yoakum Bank's CET1 capital ratio?
Yoakum Bank reported a Common Equity Tier 1 (CET1) capital ratio of 7.46% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Yoakum Bank operate?
Yoakum Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Yoakum Bank's Texas Ratio?
Yoakum Bank's Texas Ratio is 8.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.