Ozona Bank
Ozona, TX
IDRSSD: 780263
Total Assets
$338.78M
Latest filing
Total Deposits
$283.55M
Latest filing
Net Interest Margin
4.00%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Ozona Bank
503 11th Street
Ozona, TX 76943
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/01/1905FDIC Certificate 2193
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Ozona Bank (Main) | 503 11th Street | Ozona, TX |
| WIMBERLEY BRANCH | Ranch Road 12 And River Road | Wimberley, TX |
| SAN MARCOS BRANCH | 1917 Dutton Dr | San Marcos, TX |
| DRIVE-THRU FACILITY | Ranch Road 12 And River Road | Wimberley, TX |
| WWW.OZONABANK.COM | 503 11th Street | Ozona, TX |
| SAN ANTONIO BRANCH | 14100 N Us Highway 281 | San Antonio, TX |
| OZONA BANK CENTRAL OPERATIONS OFFICE BRANCH | 1913 Dutton Dr | San Marcos, TX |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76943 |
| State and County Number | 48105 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/25/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.ozona.bank |
| Data Updated | 11/14/2025 |
| CERT | 3376 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $338.78M |
| Total Deposits | $283.55M |
| Total Liabilities | $308.85M |
| Total Equity Capital | $29.93M |
| Net Income | $548.00k |
| Net Loans and Leases | $153.34M |
| Assets Per Employee ($Millions) | $5.29M |
| Bank Premises and Fixed Assets | $2.05M |
| Cash and Balances due from Depository Institutions | $32.75M |
| Deposits Held in Domestic Offices | $283.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 7.74% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 78.01% |
| Tier 1 Risk-Based Capital Ratio | 22.069% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.835% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $3.81M |
| Total Noninterest Income | $560.00k |
| Total Interest Expense | $739.00k |
| Total Noninterest Expense | $2.83M |
| Net Interest Income | $3.07M |
| Pre-tax Net Operating Income | $548.00k |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.80M |
| Total Liabilities and Capital | $338.78M |
Securities
| Securities | $137.70M |
| Available-for-sale debt securities | $120.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $16.91M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ozona Bank?
$338.78M as of the latest filing.
How much are Ozona Bank's total deposits?
$283.55M in total deposits.
Where is Ozona Bank located?
Ozona, TX.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
7.
When was it established?
06/01/1905.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$153.34M (latest filing).
What is the total interest income (latest filing)?
$3.81M.