Zavala County Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 34.6% in Q3 2026, from -$3.0M to -$4.0M. It was the largest change from Q2 2026 among the key lines here. On CET1 ratio, Zavala County Bank ranks 8th highest among the 184 banks headquartered in Texas, at 65.16% (Q3 2026). Zavala County Bank's CET1 ratio of 65.16% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 45.60 points (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 65.16% |
| Tier 1 risk-based capital ratio | 65.16% |
| Total risk-based capital ratio | 65.70% |
| Tier 1 leverage ratio | 16.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $12.5M |
| Tier 1 capital | $12.5M |
| Total risk-based capital | $12.6M |
| Total equity capital | $8.5M |
| Risk-weighted assets | $19.1M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 11.04% |
| Internal capital growth rate | 10.24% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $3.9M |
| Retained earnings | $8.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 53.53% | 53.53% | 54.05% | 13.95% | $21.9M |
| Q1 2024 | 57.66% | 57.66% | 58.20% | 14.51% | $20.9M |
| Q2 2024 | 63.42% | 63.42% | 63.99% | 15.52% | $19.6M |
| Q3 2024 | 65.76% | 65.76% | 66.35% | 16.68% | $19.3M |
| Q4 2024 | 58.58% | 58.58% | 59.17% | 14.09% | $18.7M |
| Q1 2025 | 59.27% | 59.27% | 59.87% | 14.50% | $18.9M |
| Q2 2025 | 60.96% | 60.96% | 61.50% | 15.28% | $18.9M |
| Q3 2025 | 61.35% | 61.35% | 61.92% | 15.35% | $19.2M |
| Q4 2025 | 57.49% | 57.49% | 58.03% | 14.65% | $20.2M |
| Q1 2026 | 61.91% | 61.91% | 62.45% | 14.90% | $19.3M |
| Q2 2026 | 62.95% | 62.95% | 63.50% | 15.75% | $19.4M |
| Q3 2026 | 65.16% | 65.16% | 65.70% | 16.26% | $19.1M |
Zavala County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Zavala County Bank, freeSource: Call Report Schedule RC-R, 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 Zavala County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15105) · FFIEC NIC profile (RSSD 969956)