ZAVALA COUNTY BANK

CRYSTAL CITY, TX | Micro | Est. Jan. 1, 1907, midnight | FDIC #15105 | RSSD #969956 | FDIC
Latest Report: 2025-12-31

ZAVALA COUNTY BANK is amn micro FDIC-insured commercial bank headquartered in CRYSTAL CITY, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $78M and total deposits of $68M. Profitability stands at 1.23% ROA and 10.42% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 57.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15105. The institution operates 1 domestic branch.

Assets

$78M

Deposits

$68M

Loans

$8M

Equity

$9M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 10.42%
Net Interest Margin (NIM) 3.86%
Yield on Assets 4.33%
Cost of Funds 0.92%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 57.49%
Tier 1 Capital 57.49%
Total Capital Ratio 58.03%
Leverage Ratio 14.65%
Loan-to-Deposit 11.80%

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