Zavala County 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 Q3 2026 was in Securities to assets: 1.79 percentage points lower than in Q2 2026, at 59.47%. Within Texas, Zavala County Bank is 218th of 345 on return on assets, 1.24% as of Q3 2026, below the middle of the field. Zavala County Bank reported 1.24% on return on assets for Q3 2026, 0.25 points above the 0.98% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 65.16% |
| Tier 1 risk-based capital ratio | 65.16% |
| Total risk-based capital ratio | 65.70% |
| Tier 1 leverage ratio | 16.26% |
| Equity capital to assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 10.70% |
| Net interest margin | 3.43% |
| Efficiency ratio | 65.75% |
| Yield on earning assets | 3.96% |
| Cost of funds | 0.60% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 8.64% |
| Core deposits to total deposits | 97.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.69% |
| Securities to assets | 59.47% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 53.53% | 53.53% | 54.05% | 13.95% | 2.19% |
| Q1 2024 | 57.66% | 57.66% | 58.20% | 14.51% | 1.61% |
| Q2 2024 | 63.42% | 63.42% | 63.99% | 15.52% | 1.78% |
| Q3 2024 | 65.76% | 65.76% | 66.35% | 16.68% | 1.50% |
| Q4 2024 | 58.58% | 58.58% | 59.17% | 14.09% | -6.80% |
| Q1 2025 | 59.27% | 59.27% | 59.87% | 14.50% | 1.25% |
| Q2 2025 | 60.96% | 60.96% | 61.50% | 15.28% | 1.56% |
| Q3 2025 | 61.35% | 61.35% | 61.92% | 15.35% | 1.55% |
| Q4 2025 | 57.49% | 57.49% | 58.03% | 14.65% | 1.21% |
| Q1 2026 | 61.91% | 61.91% | 62.45% | 14.90% | 1.47% |
| Q2 2026 | 62.95% | 62.95% | 63.50% | 15.75% | 1.54% |
| Q3 2026 | 65.16% | 65.16% | 65.70% | 16.26% | 1.24% |
Zavala County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Zavala County 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 Zavala County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15105) · FFIEC NIC profile (RSSD 969956)