B
The Yoakum National Bank
YoakumTX
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Yoakum National Bank
Yoakum, TX
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Rating B
Asset Quality Index 6.00
Capitalization Index 7.90
Liquidity Index 3.00
Profitability Index 4.70
Stability Index 5.50
Company Info The Yoakum National Bank
Yoakum, TX
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FDIC Number 5595
Phone Number (361) 293-5225
Website ynbtx.com
Asset Quality The Yoakum National Bank
Yoakum, TX
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1-Year Asset Growth 14.32%
5-Year Asset Growth 9.22%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.69%
Non-Performing Loans to Capital 6.54%
Non-Performing Loans to Loans 1.14%
Balance Sheet The Yoakum National Bank
Yoakum, TX
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Total Assets 374.06M
Total Deposits 338.48M
Capital and Reserves The Yoakum National Bank
Yoakum, TX
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Capital 33.55M
Leverage Ratio 9.61
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio --
Liquidity The Yoakum National Bank
Yoakum, TX
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Hot Money Ratio 22.11%
Liquidity Ratio 26.40%
Profitability The Yoakum National Bank
Yoakum, TX
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5-Year Return on Average Assets 0.85%
Net Income 3.00M
Net Interest Spread 4.14%
Operating Profit to Average Assets 1.11%
Overhead Efficiency Ratio 70.49%
Return on Assets 1.10%
Return on Equity 14.00%