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Zavala County Bank
Crystal City, TX · FDIC Certificate #15105 · Chartered 01/0
Total assets
$78.99M
Total deposits
$69.53M
Total equity
$9.26M
Net loans
$6.18M
Branches (offices)
2
Net income (YTD)
$593.00K
Rank: #3,840 of 4,213 U.S. banks by assets · #320 of 346 in Texas. Assets changed 7.9% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 12.95% |
| Net interest margin (YTD) | 3.58% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 15.75% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 8.9% |
| Real estate loans (share of loans) | 16.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.03M | 16.6% | |
| Commercial & industrial | $1.43M | 23.2% | |
| Consumer / individual | $3.77M | 61.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $28.00K | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $82.19M | $75.83M | $286.00K | $6.26M |
| Jun 2023 | $86.64M | $79.00M | $773.00K | $7.50M |
| Jun 2024 | $77.21M | $68.48M | $690.00K | $8.56M |
| Jun 2025 | $73.20M | $64.83M | $535.00K | $8.11M |
| Jun 2026 | $78.99M | $69.53M | $593.00K | $9.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $69.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.53M.
Similar-sized banks
Bank Of Ontario ($79.00M) · Highland Federal Savings And Loan Association ($78.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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