Side-by-side · Q2 2026 data
Yoakum Bank vs First State Bank
Metric by metric
| Measure | Yoakum Bank | First State Bank |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 44 | 76 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 70 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 92nd |
| Total assets | $385.8M | $371.9M |
| Deposits / shares | $350.4M | $326.4M |
| Capital ratio | 9.43% | 12.58% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.31% | 2.27% (stronger) |
| Loans ÷ deposits | 63.4% (stronger) | 74.7% |
| Uninsured deposits | 29.3% | 28.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
First State Bank has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Yoakum Bank leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.