Zavala County Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Crystal City, TX, Zavala County Bank serves its local market as an FDIC-insured commercial bank. Zavala County's Q3 2026 balance sheet shows $77M in assets funded primarily by $68M in customer deposits. Profitability is strong, 1.24% ROA, paired with 10.70% ROE and a 3.43% net interest margin. A CET1 ratio of 65.16% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. Asset quality is pristine, 0.00% NPLs and a 0.00% Texas Ratio. It operates 2 branches, primarily in Texas.
As of September 30, 2026, Zavala County Bank reported a CET1 capital ratio of 65.16%, a return on assets of 1.24%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
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
- —
- Established
- January 1, 1907
- Offices
- 2 domestic
- Employees (FTE)
- 16
- Domestic deposits
- $68.1M
- Allowance for credit losses
- $100K
- Net charge-offs (YTD)
- $7K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Zavala County Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Zavala County Bank, freeZavala County Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 65.16% | 1.24% | 0.00% | 0.00% | 3.43% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| 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
What the public regulatory sources show for Zavala County Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 395 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Zavala County Bank
What are Zavala County Bank's total assets?
As of the Q3 2026 filing, Zavala County Bank reported total assets of $76.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Zavala County Bank headquartered?
Zavala County Bank is headquartered in Crystal City, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Zavala County Bank founded?
Zavala County Bank was established in 1907, per the FDIC institution directory.
Is Zavala County Bank FDIC-insured?
Yes. Zavala County Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Zavala County Bank's CET1 capital ratio?
Zavala County Bank reported a Common Equity Tier 1 (CET1) capital ratio of 65.16% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Zavala County Bank operate?
Zavala County Bank 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?
Zavala County Bank's Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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