The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 10 points (63 → 73), mostly because the loan quality component improved by 32 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. Yoakum Bank is an FDIC-insured institution (FDIC certificate #5595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.3% of deposits ($102.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Yoakum Bank lists 5 offices in 5 cities. Most locations:

• Edna, TX (1)
• Ganado, TX (1)
• Katy, TX (1)
• Odessa, TX (1)
• Yoakum, TX (1)

All branch addresses and map

In 2025, Yoakum Bank reported 33 home-loan applications under HMDA (LEI 254900GS7VFHDE55TH92): 21 originated ($4,955,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Yoakum Bank

Former names

The Yoakum National Bank

Type

State-chartered bank

FDIC certificate #

5595

RSSD ID

311265

Primary regulator

FDIC

Holding company

Yoakum National Bancshares Inc

Established

January 1, 1890

Headquarters

301 W Grand Ave, Yoakum, TX 77995

Website

www.ynbtx.com

Employees

54