Yoakum Bank
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Data as of · sourced from FFIEC call reports. How we update
Yoakum Bank is an FDIC-insured commercial bank headquartered in Yoakum, TX, established in 1890 (FDIC certificate 5595), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $385.8M, up 5.0% from Q2 2025, the 186th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5595
- Headquarters
- Yoakum, TX
- Established
- 1890
- Total assets, Q2 2026
- $385.8M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 9.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 114902227
- Latest call report
- Q2 2026, FFIEC 051 · Yoakum Bank call report
- Holding company
- YOAKUM NATIONAL BANCSHARES, INC.
- Asset rank in state
- 186th of 346 in Texas
Yoakum Bank, based in Yoakum, Texas, reported $386 million in assets at June 30, 2026, up 5.0% from a year earlier. It shrank its loan book 3.0% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 1.15%. Loans and deposits moved in opposite directions: over the year loans fell 3.0% and deposits rose 4.8%. Where it has less room is capital: it funds 9.43% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Yoakum Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.29%. The figures come from its call report filed with the FFIEC.
Yoakum Bank ranks as the 186th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $385.8M, loans fell 1.1% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 21.1% of total loans, followed by non-owner-occupied commercial real estate loans at 20.3%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in TX; its Yoakum office books 62% of its branch deposits. On its Q2 2026 call report, Yoakum Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W Grand Ave, Yoakum, TX 77995
- County
- Dewitt
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $350.4M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $394.8M
- Average total loans
- $224.6M
- Average interest-bearing deposits
- $230.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5595
- Fed RSSD
- 311265
- SEC CIK
- 2088119 → filed by YOAKUM NATIONAL BANCSHARES, INC.
- Website
- www.ynbtx.com →
- Parent Holding Company
- YOAKUM NATIONAL BANCSHARES, INC. (RSSD 2287225)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Yoakum Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Yoakum Bank's total assets moved between a low of $294.5M (Q3 2023) and a high of $385.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$385.8M total assets against $367.4M; $352.3M total liabilities against $336.4M.
$222.1M net loans and leases against $229.1M; $350.4M total deposits against $334.4M.
$95.3M securities against $92.8M; $38.2M cash and balances due against $17.3M.
$5.1M total interest income against $4.7M; $1.1M total interest expense against $1.3M.
$4.0M net interest income against $3.4M.
$313K total noninterest income against $245K; $3.0M total noninterest expense against $2.5M.
$82K provision for credit losses against $80K.
$1.3M net income against $1.0M.
1.32% return on assets against 1.06%; 4.49% net interest margin against 4.12%.
9.43% tier 1 leverage ratio against 9.70%.
Inside the full Yoakum Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeYoakum Bank rankings
Its closest position to the top of a national ranking is 1,693 of 3,611, for ROA; its furthest is 2,549 of 3,640, for Texas Ratio.
Banks merged into Yoakum Bank
- Citizens State Bank, effective May 31, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.37% (Q4 2025) to 1.32% (Q2 2026) and its net interest margin ran from 3.64% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.43% | 1.32% | 0.19% | 1.29% | 4.49% |
| Q1 2026 | 9.28% | 1.26% | 0.07% | 0.52% | 4.48% |
| Q4 2025 | 8.91% | -2.37% | 1.10% | 7.94% | 4.30% |
| Q3 2025 | 9.61% | 1.11% | 1.14% | 7.76% | 4.40% |
| Q2 2025 | 9.70% | 1.06% | 1.15% | 8.75% | 4.12% |
| Q1 2025 | 10.52% | 1.14% | 0.10% | 0.76% | 3.88% |
| Q4 2024 | 10.23% | 1.06% | 0.04% | 0.30% | 3.88% |
| Q3 2024 | 10.46% | 0.92% | 0.00% | 0.02% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Yoakum Bank (main office) | Yoakum , TX | 77995 | $218.0M |
| Odessa Branch | Odessa , TX | 79765 | $60.7M |
| Ganado Branch | Ganado , TX | 77962 | $29.9M |
| Katy Branch | Katy , TX | 77450 | $23.5M |
| Edna Branch | Edna , TX | 77957 | $18.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 31, 2025 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 222 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Yoakum Bank
What are Yoakum Bank's total assets?
As of the Q2 2026 filing, Yoakum Bank reported total assets of $385.8 million in its FFIEC call report.
Where is Yoakum Bank headquartered?
It is headquartered in Yoakum, TX, United States.
When was Yoakum Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Yoakum Bank FDIC-insured?
Yes. It 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.
How many branches does Yoakum Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Yoakum Bank's Texas Ratio?
Its Texas Ratio is 1.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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