Yoakum Bank (FDIC #5595): Bank Stress & Real-Estate Credit Exposure

Yoakum Bank (FDIC Cert #5595): bank stress 69/100, elevated, STABLE over 7 days; parent YOAKUM NATIONAL BANCSHARES INC.

Yoakum Bank (#5595) lends in 4 counties across 1 state; Yoakum Bank (#5595) reaches 65 ZIP codes: Texas 4 counties, 65 ZIPs.

Yoakum Bank (#5595) largest markets: Fort Bend County, TX (35 branches, 35 ZIPs) (#5595), Ector County, TX (11 branches, 11 ZIPs) (#5595), Jackson County, TX (20 branches, 10 ZIPs) (#5595), Dewitt County, TX (9 branches, 9 ZIPs) (#5595).

Yoakum Bank (#5595) reports $385.8 million in total assets; Yoakum Bank (#5595) equity $33.5 million (8.7% of Yoakum Bank (#5595) assets); Yoakum Bank (#5595) domestic deposits $350.4 million; Yoakum Bank (#5595) net income $2.5 million; Yoakum Bank (#5595) return on assets 1.31%; Yoakum Bank (#5595) return on equity 15.60%; Yoakum Bank (#5595) net interest income $7.9 million; Yoakum Bank (#5595) call report June 30, 2026.

Yoakum Bank (#5595) noncurrent real-estate loans: none reported; Yoakum Bank (#5595) net charge-offs on real estate 0.25%.

Yoakum Bank (#5595) net interest margin 4.53% against an eight-quarter Yoakum Bank (#5595) average of 4.08% (Yoakum Bank (#5595) compression -0.45 points); Yoakum Bank (#5595) rate-exposure score 40/100, Yoakum Bank (#5595) fixed-rate trap 40/100; Yoakum Bank (#5595) risk type credit driven; Yoakum Bank (#5595) rate regime rates elevated, Yoakum Bank (#5595) snapshot October 19, 2026.

Yoakum Bank (#5595) stress score moved from 69.3 on June 22, 2026 to 68.9 on October 19, 2026; Yoakum Bank (#5595) ranged 68.9 to 69.3 over 116 snapshots.

Yoakum Bank (#5595) alerts: 4 counties; top Yoakum Bank (#5595) alert scores: Yoakum County, TX 25 (low); Ganado County, TX 22 (low); Katy County, TX 22 (low); Odessa County, TX 22 (low).