Ozona Bank
Ozona, TX
IDRSSD: 780263
Total Assets
$326.95M
Latest filing
Total Deposits
$274.10M
Latest filing
Net Interest Margin
4.55%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111312182OZONA, TX
Key People
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Locations
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Main Office
Ozona Bank
503 11th Street
Ozona, TX 76943
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 64 |
| 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 | 01/30/2026 |
| CERT | 3376 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $326.95M |
| Total Deposits | $274.10M |
| Total Liabilities | $295.10M |
| Total Equity Capital | $31.86M |
| Net Income | $1.38M |
| Net Loans and Leases | $155.87M |
| Assets Per Employee ($Millions) | $5.11M |
| Bank Premises and Fixed Assets | $1.95M |
| Cash and Balances due from Depository Institutions | $18.78M |
| Deposits Held in Domestic Offices | $274.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.66% |
| Return on Equity (ROE) | 17.91% |
| Net Interest Margin | 4.55% |
| Efficiency Ratio | 78.72% |
| Tier 1 Risk-Based Capital Ratio | 21.72% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.6% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.743% |
| Earning Assets to total Assets | 93.1% |
Income and Expense
| Total Interest Income | $4.32M |
| Total Noninterest Income | $613.00k |
| Total Interest Expense | $778.00k |
| Total Noninterest Expense | $3.27M |
| Net Interest Income | $3.54M |
| Pre-tax Net Operating Income | $1.38M |
| Provision for Credit Losses | $-500,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $3.50M |
| Total Liabilities and Capital | $326.95M |
Securities
| Securities | $136.60M |
| Available-for-sale debt securities | $120.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $16.23M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ozona Bank?
$326.95M as of the latest filing.
How much are Ozona Bank's total deposits?
$274.10M in total deposits.
Where is Ozona Bank located?
Ozona, TX.
What is the Net Interest Margin?
4.55%.
How many domestic offices does it operate?
7.
When was it established?
06/01/1905.
What is the Return on Assets (ROA)?
1.66%.
How much are total loans and leases?
$155.87M (latest filing).
What is the total interest income (latest filing)?
$4.32M.