BanksYOAKUM NATIONAL BANK, THE

YOAKUM NATIONAL BANK, THE

YOAKUM, TXSmallEst. Jan. 1, 1890, midnightFDIC #5595RSSD #311265FDIC
Latest · 2025-12-31

YOAKUM NATIONAL BANK, THE is an FDIC-insured commercial bank headquartered in YOAKUM, TX, established in Jan. 1, 1890, midnight. As of 2025-12-31, 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 4.36%. CET1 capital ratio: 7.46%. NPL ratio: 1.10% · Texas Ratio: 7.23%. Operates 5 domestic branches.

Assets
$384M
Deposits
$350M
Loans
$223M
Equity
$31M

Profitability

Return on Assets (ROA)-2.42%
Return on Equity (ROE)-28.26%
Net Interest Margin4.36%
Yield on Assets5.75%
Cost of Funds1.41%

Asset Quality

NPL Ratio1.10%
Net Charge-Off Ratio1.76%
Texas Ratio7.23%
NPA Ratio0.64%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio7.46%
Tier 1 Capital7.46%
Total Capital Ratio7.83%
Leverage Ratio8.91%
Loan-to-Deposit63.64%

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