PackageTrendsPeer
Letter portraitLegal landscape

Zavala County Bank

Crystal City, TX · Cert 15105

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Zavala County Bank

Crystal City, TX · Cert 15105

State charter, non-member · FDIC · 2 branches

Q2 2026

$79.0MAssets
$6.3MLoans
$69.5MDeposits
$9.3MEquity
Loan mix
18%RE $1.1M19%C&I $1.2M63%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $41.1M41%Noninterest $28.5MQ2 2025Q2 2026

NIM

3.89%Q2 ’243.68%Q2 ’253.81%Q2 ’26-7%+3%

Non-interest income vs. expense

2.73%Q2 ’242.84%Q2 ’252.78%Q2 ’26+4%-4%

Executive Summary

  • Earnings: ROA of 1.51%, up 7 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 15.75%, up 47 bps from a year ago.
  • Funding: loans stand at 9.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+11 bps YoY

Efficiency Ratio (YTD, annualized)

60.25%-280 bps YoY

Tier 1 Leverage Ratio

15.75%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.47%1.41%1.50%1.51%+7 bps
Return on Equity13.87%13.66%12.91%12.91%12.95%-92 bps
Net Interest Margin3.24%3.19%3.19%3.20%3.35%+11 bps
Efficiency Ratio63.05%62.09%62.81%60.02%60.25%-280 bps
Non-Interest Burden1.58%1.51%1.55%1.43%1.51%-6 bps
Growth
Asset Growth (YoY)-5.20%2.07%3.71%4.56%7.91%+1,311 bps
Loan Growth (YoY)-1.40%13.35%16.07%0.08%-4.83%-343 bps
Deposit Growth (YoY)-5.32%3.19%1.50%3.04%7.24%+1,257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Net Charge-Offs / Loans0.21%0.00%0.01%0.25%0.10%-12 bps
Allowance / Loans1.51%1.39%1.33%1.62%1.66%+14 bps
Allowance Coverage of NPLsn/an/an/an/a52.0xn/a
Capital
Tier 1 Leverage Ratio15.28%15.35%14.65%14.90%15.75%+47 bps
Total Risk-Based Capital61.50%61.92%58.03%62.45%63.50%+199 bps
Equity / Assets11.08%11.98%11.61%11.55%11.72%+64 bps
Liquidity & Funding
Loans / Deposits10.18%11.22%11.80%9.08%9.04%-115 bps
Liquid Assets / Assets22.83%25.54%20.76%24.48%23.69%+87 bps
CRE / Total Capitaln/a9.20%9.09%8.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Zavala County Bank

Crystal City, TX · Cert 15105 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 2 branches

Q2 2026

$79.0MAssets
$6.3MLoans
$69.5MDeposits
$9.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks under $1B in assets in TX (rank 7 of 211).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets in TX (rank 169 of 208).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.50%

Rank 64 of 211

Net Interest Margin

3.35%

Rank 151 of 211

Efficiency Ratio

60.25%

Rank 86 of 211

Equity / Assets

11.72%

Rank 90 of 211

Non-interest income vs. expense

$1.0M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 60% of banks under $1B in assets in TX
Bank 60.25%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.87%1.20%1.65%Beats 70%64 / 211
Return on Equity12.81%7.52%11.67%14.58%Beats 61%82 / 211
Net Interest Margin3.35%3.28%3.82%4.31%Beats 28%151 / 211
Efficiency Ratio60.25%53.01%64.18%73.65%Beats 60%86 / 211
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.30%1.10%Beats 71%63 / 208
Net Charge-Offs / Loans0.10%0.00%0.01%0.06%Beats 19%169 / 208
Capital
Tier 1 Capital Ratio62.95%11.72%14.45%19.57%Beats 97%7 / 211
Total Risk-Based Capital Ratio63.50%11.94%14.78%20.30%Beats 97%7 / 211
Equity / Assets11.72%9.41%11.06%12.94%Beats 57%90 / 211
Liquidity & Funding
Loans / Deposits9.04%45.39%66.56%82.03%0th pctl207 / 208
Loans / Assets7.95%39.13%56.90%70.46%2nd pctl206 / 211
Brokered Deposits / Depositsn/aNot reported for this institution