Zavala County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Zavala County Bank of Crystal City, TX against its peer group of 536 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.24% | 0.82% | +0.42% | 56th above |
| ROAE | 10.70% | 4.81% | +5.89% | 69th above |
| Net Interest Margin | 3.43% | 3.95% | -0.52% | 20th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 65.75% | 75.77% | -10.02% | 38th below |
| PPNR / Avg Assets | 1.52% | — | — | 59th above |
| Yield on Earning Assets | 3.96% | 5.44% | -1.48% | 0th bottom |
| Cost of Funds | 0.60% | 1.71% | -1.11% | 91st top |
| Net Interest Spread | 3.02% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | 0.27% | 0.11% | +0.16% | 0th bottom |
| ACL / Total Loans | 1.70% | — | — | 69th above |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 84th top |
| Provision / NCO | 0.00% | — | — | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 65.16% | 24.84% | +40.32% | 90th top |
| Tier 1 Ratio | 65.16% | 24.84% | +40.32% | 90th top |
| Total Capital Ratio | 65.70% | — | — | 90th top |
| Leverage Ratio | 16.26% | 14.21% | +2.05% | 81st top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.02% | 13.16% | -2.14% | 50th above |
| TCE / Tangible Assets | 11.02% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 8.64% | 69.13% | -60.49% | 100th top |
| Core Deposit Ratio | 97.54% | 88.78% | +8.76% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.03% | — | — | 25th below |
| Loan Growth (Y/Y) | -23.80% | — | — | 0th bottom |
| Deposit Growth (Y/Y) | -0.97% | — | — | 31st below |
See Zavala County Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Zavala County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Zavala County Bank profile, how to read a UBPR, or how this data updates.