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
Unfavorable gap of $1.2M · efficiency ratio beats 60% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.87% | 1.20% | 1.65% | Beats 70% | 64 / 211 | |
| Return on Equity | 12.81% | 7.52% | 11.67% | 14.58% | Beats 61% | 82 / 211 | |
| Net Interest Margin | 3.35% | 3.28% | 3.82% | 4.31% | Beats 28% | 151 / 211 | |
| Efficiency Ratio | 60.25% | 53.01% | 64.18% | 73.65% | Beats 60% | 86 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.30% | 1.10% | Beats 71% | 63 / 208 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.06% | Beats 19% | 169 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 62.95% | 11.72% | 14.45% | 19.57% | Beats 97% | 7 / 211 | |
| Total Risk-Based Capital Ratio | 63.50% | 11.94% | 14.78% | 20.30% | Beats 97% | 7 / 211 | |
| Equity / Assets | 11.72% | 9.41% | 11.06% | 12.94% | Beats 57% | 90 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 9.04% | 45.39% | 66.56% | 82.03% | 0th pctl | 207 / 208 | |
| Loans / Assets | 7.95% | 39.13% | 56.90% | 70.46% | 2nd pctl | 206 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |