OZONA BANK

OZONA, TX | Small | Est. June 1, 1905, midnight | FDIC #3376 | RSSD #780263 | FDIC
Latest Report: 2025-12-31

OZONA BANK is asn small FDIC-insured commercial bank headquartered in OZONA, TX, established in June 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $327M and total deposits of $274M. Profitability stands at 1.66% ROA and 17.91% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 21.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.20% and a Texas Ratio of 28.72%. FDIC Certificate #3376.

Assets

$327M

Deposits

$274M

Loans

$158M

Equity

$32M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 17.91%
Net Interest Margin (NIM) 4.62%
Yield on Assets 5.64%
Cost of Funds 1.05%

Asset Quality

NPL Ratio 6.20%
Net Charge-Off Ratio 0.02%
Texas Ratio 28.72%
NPA Ratio 3.00%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 21.72%
Tier 1 Capital 21.72%
Total Capital Ratio 22.91%
Leverage Ratio 12.82%
Loan-to-Deposit 57.71%

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