The Yoakum National Bank
Yoakum, TX
IDRSSD: 311265
Total Assets
$384.31M
Latest filing
Total Deposits
$349.97M
Latest filing
Net Interest Margin
4.40%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
113110641YOAKUM, TX114902227YOAKUM, TX
Key People
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Locations
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Main Office
The Yoakum National Bank
301 W Grand Ave
Yoakum, TX 77995
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 3809
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Yoakum National Bank (Main) | 301 W Grand Ave | Yoakum, TX |
| GANADO BRANCH | 201 S 3rd St | Ganado, TX |
| EDNA BRANCH | 701 N Wells St | Edna, TX |
| ODESSA BRANCH | 3650 Billy Hext Rd | Odessa, TX |
| KATY BRANCH | 22101 Westheimer Pkwy | Katy, TX |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 77995 |
| State and County Number | 48123 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ynbtx.com |
| Data Updated | 01/30/2026 |
| CERT | 5595 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $384.31M |
| Total Deposits | $349.97M |
| Total Liabilities | $352.83M |
| Total Equity Capital | $31.48M |
| Net Income | $-2,297,000 |
| Net Loans and Leases | $220.19M |
| Assets Per Employee ($Millions) | $6.51M |
| Bank Premises and Fixed Assets | $13.54M |
| Cash and Balances due from Depository Institutions | $44.03M |
| Deposits Held in Domestic Offices | $349.97M |
Key Performance Ratios
| Return on Assets (ROA) | -2.42% |
| Return on Equity (ROE) | -28.26% |
| Net Interest Margin | 4.4% |
| Efficiency Ratio | 63.4% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.93% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.19% |
| Earning Assets to total Assets | 91.36% |
Income and Expense
| Total Interest Income | $5.01M |
| Total Noninterest Income | $230.00k |
| Total Interest Expense | $1.21M |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $3.80M |
| Pre-tax Net Operating Income | $-2,290,000 |
| Provision for Credit Losses | $3.72M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.21M |
| All Other Liabilities | $1.65M |
| Total Liabilities and Capital | $384.31M |
Securities
| Securities | $91.62M |
| Available-for-sale debt securities | $91.62M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Yoakum National Bank?
$384.31M as of the latest filing.
How much are The Yoakum National Bank's total deposits?
$349.97M in total deposits.
Where is The Yoakum National Bank located?
Yoakum, TX.
What is the Net Interest Margin?
4.40%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
-2.42%.
How much are total loans and leases?
$220.19M (latest filing).
What is the total interest income (latest filing)?
$5.01M.