Ozona Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 5.99 percentage points lower than in Q1 2026, at 0.00%. Ozona Bank ranks 288th of 345 Texas banks on return on assets, in the lower half at 0.80% (Q2 2026). Ozona Bank reported 0.80% on return on assets for Q2 2026, 0.45 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.11% |
| Tier 1 risk-based capital ratio | 20.11% |
| Total risk-based capital ratio | 21.13% |
| Tier 1 leverage ratio | 12.31% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 8.62% |
| Net interest margin | 4.39% |
| Efficiency ratio | 79.82% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.12% |
| Core deposits to total deposits | 90.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.72% |
| Securities to assets | 37.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.00% | 23.00% | 24.14% | 11.19% | 1.17% |
| Q4 2023 | 23.04% | 23.04% | 24.28% | 11.56% | 0.43% |
| Q1 2024 | 21.86% | 21.86% | 23.04% | 11.49% | 0.69% |
| Q2 2024 | 22.98% | 22.98% | 24.19% | 10.98% | 0.70% |
| Q3 2024 | 23.66% | 23.66% | 24.88% | 11.42% | 0.81% |
| Q4 2024 | 23.23% | 23.23% | 24.41% | 12.44% | 0.94% |
| Q1 2025 | 23.04% | 23.04% | 24.21% | 12.86% | 0.66% |
| Q2 2025 | 23.23% | 23.23% | 24.48% | 12.99% | -0.06% |
| Q3 2025 | 22.07% | 22.07% | 23.32% | 12.77% | 0.68% |
| Q4 2025 | 21.72% | 21.72% | 22.91% | 12.82% | 1.67% |
| Q1 2026 | 22.19% | 22.19% | 23.29% | 12.48% | 0.53% |
| Q2 2026 | 20.11% | 20.11% | 21.13% | 12.31% | 0.80% |
Ozona Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ozona Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ozona Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3376) · FFIEC NIC profile (RSSD 780263)