Zavala County Bank
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Data as of · sourced from FFIEC call reports. How we update
Zavala County Bank is an FDIC-insured commercial bank headquartered in Crystal City, TX, established in 1907 (FDIC certificate 15105), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $79.0M, up 7.9% from Q2 2025, the 320th largest of 346 banks headquartered in Texas.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15105
- Headquarters
- Crystal City, TX
- Established
- 1907
- Total assets, Q2 2026
- $79.0M
- Assets vs Q2 2025
- +7.9%
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114910222
- Latest call report
- Q2 2026, FFIEC 051 · Zavala County Bank call report
- Asset rank in state
- 320th of 346 in Texas
Zavala County Bank, based in Crystal City, Texas, reported $79 million in assets at June 30, 2026, up 7.9% from a year earlier. It pays an average of 0.55% on its deposits and borrowings, about a third the median of 1.53% for the 583 banks with less than $100 million in assets. It also shrank its loan book 4.8% over the year, lower than about three-quarters of banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans fell 4.8% and deposits rose 7.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.8 million equal 31% of Tier 1 capital, down from 37% a year earlier.
As of June 30, 2026, Zavala County Bank reported a CET1 capital ratio of 62.95%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Zavala County Bank is the 320th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $79.0M, loans fell 1.3% and deposits fell 0.8%. Other consumer loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came auto loans at 23.2%. Its 2 offices in the FDIC Summary of Deposits are in Crystal City, TX and La Pryor, TX; its Crystal City office books 85% of its branch deposits. Judged on its Q2 2026 call report, Zavala County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2300 N Us Highway 83, Crystal City, TX 78839
- County
- Zavala
- 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
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $69.5M
- Allowance for credit losses
- $104K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $77.6M
- Average total loans
- $6.3M
- Average interest-bearing deposits
- $39.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1935
- FDIC Cert
- 15105
- Fed RSSD
- 969956
- Website
- www.zcbank.com →
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
From Q3 2023 to Q2 2026, Zavala County Bank's total assets ranged from $73.2M (Q2 2025) to $83.7M (Q4 2023), 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
$79.0M total assets against $73.2M; $69.7M total liabilities against $65.1M.
$6.2M net loans and leases against $6.5M; $69.5M total deposits against $64.8M.
$48.4M securities against $42.6M; $21.2M cash and balances due against $20.6M.
$754K total interest income against $705K; $94K total interest expense against $82K.
$660K net interest income against $623K.
$248K total noninterest income against $240K; $549K total noninterest expense against $524K.
$0 provision for credit losses against $0.
$299K net income against $294K.
1.54% return on assets against 1.56%; 3.57% net interest margin against 3.55%.
62.95% CET1 capital ratio against 60.96%; 15.75% tier 1 leverage ratio against 15.28%.
Inside the full Zavala County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.80% (Q4 2024) to 1.56% (Q2 2025) and its net interest margin ran from 3.32% (Q1 2025) to 3.84% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 62.95% | 1.54% | 0.03% | 0.02% | 3.57% |
| Q1 2026 | 61.91% | 1.47% | 0.00% | 0.00% | 3.42% |
| Q4 2025 | 57.49% | 1.21% | 0.00% | 0.00% | 3.84% |
| Q3 2025 | 61.35% | 1.55% | 0.00% | 0.00% | 3.52% |
| Q2 2025 | 60.96% | 1.56% | 0.00% | 0.00% | 3.55% |
| Q1 2025 | 59.27% | 1.25% | 0.38% | 0.30% | 3.32% |
| Q4 2024 | 58.58% | -6.80% | 0.00% | 0.00% | 3.40% |
| Q3 2024 | 65.76% | 1.50% | 0.00% | 0.00% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Zavala County Bank (main office) | Crystal City , TX | 78839 | $58.8M |
| La Pryor Branch | La Pryor , TX | 78872 | $10.7M |
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 |
|---|---|---|---|
| August 23, 2001 | Structure Change | Acquired Zavala Bankshares, Incorporated Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1987 | Structure Change | Acquired La Pryor St BK Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 29, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 395 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 Zavala County Bank
What are Zavala County Bank's total assets?
As of the Q2 2026 filing, Zavala County Bank reported total assets of $79.0 million in its FFIEC call report.
Where is Zavala County Bank headquartered?
It is headquartered in Crystal City, TX, United States.
When was Zavala County Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Zavala County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Zavala County Bank?
Zavala County Bank's primary federal regulator is the FDIC.
What is Zavala County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 62.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Zavala County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Zavala County Bank's Texas Ratio?
Its Texas Ratio is 0.02% 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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