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Overview / Commentary
301 West Grand Avenue
Yoakum, TX 77995

The Yoakum National Bank is headquartered in Yoakum and is the 230th largest bank in the state of Texas. It is also the 2,782nd largest bank in the nation. It was established in 1890 and as of March of 2014, it had grown to 30 employees at 1 location. The Yoakum National Bank has a A+ health rating.

Reviews (1)

They Don't Care About People

They miss treat me all the time play with my money my job sends money on wed they hold it.When I call and asked, they said it wasn't sent. Then they said you don't get paid till Friday.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Yoakum National Bank had $22,000 in non-current loans and owned real-estate with $25.88 million in equity and loan loss allowances on hand to cover it. This gives The Yoakum National Bank a Texas Ratio of 0.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Yoakum National Bank decreased dramatically from 6.02% as of March 31, 2013 to 0.08% as of March 31, 2014, resulting in a positive change of 98.59%.This indicates that the balance sheet and financial strength for The Yoakum National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Yoakum National Bank has increased its total deposits by $28.96 million, resulting in 16.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Yoakum National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Yoakum National Bank has $226 million in assets with $25.88 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

FDIC Certificate #5595
Year Established1890
Primary RegulatorOCC
Assets and Liabilities
Assets$226.00 million
Loans$69.03 million
Deposits$199.60 million
Equity Capital$25.09 million
Loan Loss Allowance$798,000
Unbacked Noncurrent Loans$22,000
Real Estate Owned$0
Historic Data - March 2013
Assets$197.12 million
Equity Capital$24.65 million
Loan Loss Allowance$787,000
Unbacked Noncurrent Loans$22,000
Real Estate Owned$1.50 million
Profit Margin - Quarterly
Net Interest Margin2.77%
Return on Assets0.98%
Return on Equity8.67%
Interest Income$1.72 million

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The Yoakum National Bank Locations
The Yoakum National Bank301 West Grand AvenueYoakum, TX 77995