BlastPoint's Banking Scorecard
Yoakum Bank
Micro
Specialty: Commercial
TX
FDIC cert 5595
Designations: ✓ Community bank
Yoakum, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Yoakum Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.3M
+16.2% YoY
+2.7% QoQ
|
+$166.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$220.2M
+4.9% YoY
-1.0% QoQ
|
+$81.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$350.0M
+23.5% YoY
+3.4% QoQ
|
+$166.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.20%
-77.7% YoY
-82.7% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
4.27%
+17.0% YoY
+1.2% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
68.18%
-6.1% YoY
-2.5% QoQ
|
+0.46% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.12%
-3.4% QoQ
|
+0.48% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
62.92%
-15.1% YoY
-4.3% QoQ
|
-11.61% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
32.43%
+22.0% YoY
+3.3% QoQ
|
+10.03% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.64%
-6.9% QoQ
|
+0.19% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
-2.3% YoY
+27.2% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.20%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Deposits
Current: $350.0M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $384.3M · Tier avg: $217.5M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.43% · Tier avg: 22.39%
79
79th pctile
Total Loans
Current: $220.2M · Tier avg: $139.2M
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.92% · Tier avg: 74.53%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Efficiency Ratio
Current: 68.18% · Tier avg: 67.73%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
10
10th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.08%
Top Weaknesses
10
10th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.08%
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
45
45th pctile
Efficiency Ratio
Current: 68.18% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.92% · Tier avg: 74.53%
79
79th pctile
Total Loans
Current: $220.2M · Tier avg: $139.2M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.43% · Tier avg: 22.39%
86
86th pctile
Total Assets
Current: $384.3M · Tier avg: $217.5M
90
90th pctile
Total Deposits
Current: $350.0M · Tier avg: $183.7M