Yoakum Bank: how it compares with its peers
Against 142 TX banks with half to twice its assets, Yoakum Bank's strongest measure in Q2 2026 is net interest margin (4.53% vs. a 4.18% peer median). Its weakest relative measure is efficiency ratio (67.89% vs. 61.04%).
| Measure | Yoakum Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.31% | 1.45% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.53% | 4.18% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.89% | 61.04% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.36% | 72.16% | Context |
What it means for lending operations
Its efficiency ratio of 67.89% is above the 61.04% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The MINT National Bank Kingwood, TX · $389M
- Lakeside Bank Rockwall, TX · $389M
- Crossroads Bank Yoakum, TX · $381M
- Farmers State Bank Center, TX · $391M
- TrustTexas Bank, SSB Cuero, TX · $393M
- The First National Bank of Stanton Stanton, TX · $395M
Questions about Yoakum Bank
How big is Yoakum Bank?
Yoakum Bank, established in 1890, is headquartered in Yoakum, TX. It reported $386M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Yoakum Bank's return on assets?
1.31% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 41% of them.
What is Yoakum Bank's efficiency ratio?
67.89% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is Yoakum Bank growing its loans?
Net loans shrank 3.1% over the year to Q2 2026, while deposits grew 4.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.