Bank Comparison
Yoakum Bank vs Trusttexas Bank, S.S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| CET1 Ratio | — | 18.85% |
| Tier 1 Capital Ratio | — | 18.85% |
| Total Capital Ratio | — | 19.90% |
| Tier 1 Leverage Ratio | 9.28% | 8.24% |
| Equity / Assets | 8.41% | 0.82% |
Profitability
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 0.21% |
| Return on Equity (ROE) | 15.33% | 24.44% |
| Net Interest Margin (NIM) | 4.48% | 2.48% |
| Yield on Earning Assets | 5.75% | 4.12% |
| Cost of Funds | 1.29% | 1.73% |
Asset quality
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| Texas Ratio | 0.90% | 26.79% |
| Non-Performing Loan Ratio | 0.13% | 0.66% |
| Non-Performing Asset Ratio | 0.07% | 0.34% |
| Net Charge-Off Ratio | 0.02% | 0.05% |
| ACL / Loans | 1.13% | 0.89% |
Balance sheet
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| Total Assets | $381,955K | $382,873K |
| Total Deposits | $348,097K | $376,879K |
| Total Loans | $227,121K | $199,760K |
| Total Equity | $32,128K | $3,137K |
| Net Income (quarter) | $1,219K | $208 |
Liquidity & funding
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 65.25% | 53.00% |
| Core Deposit Ratio | 89.87% | 89.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Yoakum Bank | Trusttexas Bank, S.S.B. |
|---|---|---|
| Headquarters City | YOAKUM | CUERO |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 59 | 56 |
| Established | Jan. 1, 1890, midnight | Jan. 1, 1921, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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