Bank Comparison
Zavala County Bank vs Howard State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| CET1 Ratio | 61.91% | 15.90% |
| Tier 1 Capital Ratio | 61.91% | 15.90% |
| Total Capital Ratio | 62.45% | 17.02% |
| Tier 1 Leverage Ratio | 14.90% | 11.80% |
| Equity / Assets | 11.55% | 9.29% |
Profitability
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.47% | 2.63% |
| Return on Equity (ROE) | 12.91% | 30.27% |
| Net Interest Margin (NIM) | 3.42% | 4.91% |
| Yield on Earning Assets | 3.87% | 5.74% |
| Cost of Funds | 0.49% | 0.86% |
Asset quality
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 4.75% |
| Non-Performing Loan Ratio | 0.00% | 0.73% |
| Non-Performing Asset Ratio | 0.00% | 0.48% |
| Net Charge-Off Ratio | 0.23% | 0.02% |
| ACL / Loans | 1.62% | 1.28% |
Balance sheet
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| Total Assets | $79,487K | $79,373K |
| Total Deposits | $70,097K | $70,840K |
| Total Loans | $6,367K | $52,618K |
| Total Equity | $9,177K | $7,372K |
| Net Income (quarter) | $294 | $535 |
Liquidity & funding
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 9.08% | 74.28% |
| Core Deposit Ratio | 98.35% | 97.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Zavala County Bank | Howard State Bank |
|---|---|---|
| Headquarters City | CRYSTAL CITY | HOWARD |
| Headquarters State | TX | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 16 | 18 |
| Established | Jan. 1, 1907, midnight | Aug. 30, 1877, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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