Ozona Bank
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Data as of · sourced from FFIEC call reports. How we update
Ozona Bank is an FDIC-insured commercial bank headquartered in Ozona, TX, established in 1905 (FDIC certificate 3376), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $346.1M, up 8.6% from Q2 2025, the 195th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3376
- Headquarters
- Ozona, TX
- Established
- 1905
- Total assets, Q2 2026
- $346.1M
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 20.11%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111312182
- Holding company
- ONB BANCSHARES, INC.
- Asset rank in state
- 195th of 346 in Texas
Ozona Bank, based in Ozona, Texas, reported $346 million in assets at June 30, 2026, up 8.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 29.5% over the year, 5.4 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 29.5% and deposits rose 4.1%. Its $33 million commercial and industrial book is improving, with 0.02% past due or on nonaccrual, down from 2.23% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Ozona Bank reported a CET1 capital ratio of 20.11%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Ozona Bank is the 195th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $346.1M, loans rose 11.1% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 21.9% of total loans, ahead of construction and land development loans at 20.4%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Wimberley 2 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Ozona Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 503 11th Street, Ozona, TX 76943
- County
- Crockett
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1905
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $282.8M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $347.4M
- Average total loans
- $166.5M
- Average interest-bearing deposits
- $146.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3376
- Fed RSSD
- 780263
- Website
- http://www.ozona.bank →
- Parent Holding Company
- ONB BANCSHARES, INC. (RSSD 3491869)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ozona Bank's total assets ran between $316.3M (Q4 2024) and $362.7M (Q2 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$346.1M total assets against $318.6M; $313.5M total liabilities against $291.8M.
$176.3M net loans and leases against $135.3M; $282.8M total deposits against $271.6M.
$130.8M securities against $138.4M; $21.5M cash and balances due against $29.7M.
$4.4M total interest income against $3.7M; $823K total interest expense against $711K.
$3.6M net interest income against $3.0M.
$608K total noninterest income against $564K; $3.4M total noninterest expense against $3.1M.
$100K provision for credit losses against $500K.
$698K net income against -$44K.
0.80% return on assets against -0.06%; 4.39% net interest margin against 4.05%.
20.11% CET1 capital ratio against 23.23%; 12.31% tier 1 leverage ratio against 12.99%.
Inside the full Ozona Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOzona Bank rankings
Its closest position to the top of a national ranking is 328 of 2,134, for CET1 ratio; its furthest is 3,449 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.06% (Q2 2025) to 1.67% (Q4 2025) and its net interest margin ran from 3.67% (Q3 2024) to 4.57% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.11% | 0.80% | 0.00% | 0.00% | 4.39% |
| Q1 2026 | 22.19% | 0.53% | 7.11% | 33.25% | 3.87% |
| Q4 2025 | 21.72% | 1.67% | 6.20% | 28.72% | 4.57% |
| Q3 2025 | 22.07% | 0.68% | 5.53% | 25.01% | 4.06% |
| Q2 2025 | 23.23% | -0.06% | 0.45% | 0.53% | 4.05% |
| Q1 2025 | 23.04% | 0.66% | 0.48% | 0.57% | 3.90% |
| Q4 2024 | 23.23% | 0.94% | 0.54% | 0.71% | 3.88% |
| Q3 2024 | 23.66% | 0.81% | 0.55% | 0.60% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wimberley Branch | Wimberley , TX | 78676 | $122.8M |
| Ozona Bank (main office) | Ozona , TX | 76943 | $114.0M |
| San Marcos Branch | San Marcos , TX | 78666 | $41.9M |
| San Antonio Branch | San Antonio , TX | 78232 | $4.2M |
| Drive-Thru Facility | Wimberley , TX | 78676 | $0 |
| Www.Ozonabank.Com | Ozona , TX | 76943 | $0 |
| Ozona Bank Central Operations Office Branch | San Marcos , TX | 78666 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 15, 1990 | Structure Change | Acquired The Wimberley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 14, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 247 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ozona Bank
What are Ozona Bank's total assets?
As of the Q2 2026 filing, Ozona Bank reported total assets of $346.1 million in its FFIEC call report.
Where is Ozona Bank headquartered?
It is headquartered in Ozona, TX, United States.
When was Ozona Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Ozona Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ozona Bank?
Ozona Bank's primary federal regulator is the FDIC.
What is Ozona Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ozona Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ozona Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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