Yoakum Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Yoakum Bank of Yoakum, TX against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 15.91% | 12.22% | +3.69% | 70th above |
| Net Interest Margin | 4.49% | 3.95% | +0.54% | 78th top |
| Efficiency Ratio | 66.27% | 63.71% | +2.56% | 36th below |
| PPNR / Avg Assets | 1.39% | — | — | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 1.22% | 1.87% | -0.65% | 84th top |
| Net Interest Spread | 3.81% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.88% | -0.69% | 66th above |
| NPA / Total Assets | 0.11% | — | — | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| ACL / NPLs (Coverage) | 617.48% | — | — | 74th above |
| Texas Ratio | 1.29% | 5.96% | -4.67% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.43% | 11.75% | -2.32% | 20th bottom |
| Equity / Assets | 8.68% | 10.98% | -2.30% | 22nd bottom |
| TCE / Tangible Assets | 7.97% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.12% | 80.44% | -16.32% | 79th top |
| Core Deposit Ratio | 89.66% | 86.95% | +2.71% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.02% | — | — | 54th above |
| Loan Growth (Y/Y) | -3.03% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | 4.79% | — | — | 55th above |
See Yoakum Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Yoakum Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Yoakum Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Yoakum Bank peer analysis.