Zavala County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Consumer climbed 4.27 percentage points in Q3 2026, from 60.08% to 64.35%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Zavala County Bank is 4th from the bottom among 346 Texas banks, 8.64% (Q3 2026). Against a median of 67.62% for banks in the < $100M asset tier, Zavala County Bank reported 8.64% on loan-to-deposit ratio in Q3 2026, 58.99 points lower; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $5.9M |
| Net loans and leases | $5.8M |
| Loans held for sale | $0 |
| Loans to total assets | 7.66% |
| Loan-to-deposit ratio | 8.64% |
| Net loans to equity capital | 0.68% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.53% |
| Consumer | 64.35% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.22% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $142K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $8.4M | $75.5M | 12.98% | 17.94% | 46.89% |
| Q1 2024 | $7.7M | $73.7M | 13.81% | 16.20% | 52.65% |
| Q2 2024 | $6.7M | $68.5M | 15.38% | 20.85% | 60.29% |
| Q3 2024 | $6.8M | $66.6M | 17.31% | 18.41% | 59.46% |
| Q4 2024 | $6.9M | $67.3M | 16.29% | 20.46% | 57.82% |
| Q1 2025 | $6.4M | $68.0M | 17.32% | 16.60% | 61.16% |
| Q2 2025 | $6.6M | $64.8M | 16.87% | 22.28% | 60.07% |
| Q3 2025 | $7.7M | $68.8M | 14.06% | 15.44% | 51.55% |
| Q4 2025 | $8.1M | $68.3M | 13.14% | 18.52% | 50.32% |
| Q1 2026 | $6.4M | $70.1M | 16.62% | 18.36% | 60.17% |
| Q2 2026 | $6.3M | $69.5M | 16.30% | 22.81% | 60.08% |
| Q3 2026 | $5.9M | $68.1M | 15.42% | 19.53% | 64.35% |
Zavala County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Zavala County Bank, freeSource: Call Report Schedule RC-C, 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)