YNB

YUKON, OK | Small | Est. April 19, 1912, midnight | FDIC #4235 | RSSD #953852 | FDIC
Latest Report: 2025-12-31

YNB is asn small FDIC-insured commercial bank headquartered in YUKON, OK, established in April 19, 1912, midnight. As of 2025-12-31, the bank reported total assets of $249M and total deposits of $227M. Profitability stands at 0.38% ROA and 4.62% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 13.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.67%. FDIC Certificate #4235.

Assets

$249M

Deposits

$227M

Loans

$126M

Equity

$20M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 4.62%
Net Interest Margin (NIM) 3.68%
Yield on Assets 5.16%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.67%
NPA Ratio 0.06%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 13.49%
Tier 1 Capital 13.49%
Total Capital Ratio 14.24%
Leverage Ratio 9.00%
Loan-to-Deposit 55.61%

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