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Yoakum Bank
Yoakum, TX · FDIC Certificate #5595 · Chartered 01/0
Total assets
$385.82M
Total deposits
$350.44M
Total equity
$33.49M
Net loans
$222.06M
Branches (offices)
5
Net income (YTD)
$2.52M
Rank: #2,116 of 4,213 U.S. banks by assets · #186 of 346 in Texas. Assets changed 5.0% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 15.60% |
| Net interest margin (YTD) | 4.53% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 63.4% |
| Real estate loans (share of loans) | 77.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $172.93M | 77.9% | |
| Commercial & industrial | $35.50M | 16.0% | |
| Consumer / individual | $3.42M | 1.5% | |
| Construction & development | $17.21M | 7.8% | |
| Agricultural | $10.23M | 4.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $252.46M | $208.89M | $842.00K | $20.93M |
| Jun 2023 | $283.62M | $227.10M | $912.00K | $21.57M |
| Jun 2024 | $322.31M | $265.21M | $1.22M | $23.54M |
| Jun 2025 | $367.38M | $334.42M | $1.94M | $31.02M |
| Jun 2026 | $385.82M | $350.44M | $2.52M | $33.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $350.44M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $350.44M.
Similar-sized banks
First United National Bank ($385.83M) · Wolf River Community Bank ($385.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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