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Zavala County Bank

Crystal City, TX
IDRSSD: 969956
Total Assets
$79.93M
Latest filing
Total Deposits
$68.78M
Latest filing
Net Interest Margin
3.59%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1907
Community BankYes
Ownership TypeNot Mutual
ZIP78839
State and County Number48507
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees18
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance04/24/1935
Primary Insurance AgencyDIF
Websitewww:zcbank.com
Data Updated11/14/2025
CERT15105
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$79.93M
Total Deposits$68.78M
Total Liabilities$69.00M
Total Equity Capital$10.92M
Net Income$298.00k
Net Loans and Leases$7.61M
Assets Per Employee ($Millions)$5M
Bank Premises and Fixed Assets$2.11M
Cash and Balances due from Depository Institutions$23.33M
Deposits Held in Domestic Offices$68.78M

Key Performance Ratios

Return on Assets (ROA)1.54%
Return on Equity (ROE)11.59%
Net Interest Margin3.59%
Efficiency Ratio60.21%
Tier 1 Risk-Based Capital Ratio64.298%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.667%
Earning Assets to total Assets90.05%

Income and Expense

Total Interest Income$702.00k
Total Noninterest Income$248.00k
Total Interest Expense$83.00k
Total Noninterest Expense$522.00k
Net Interest Income$619.00k
Pre-tax Net Operating Income$345.00k
Provision for Credit Losses$0
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$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$226.00k
Total Liabilities and Capital$79.93M

Securities

Securities$44.34M
Available-for-sale debt securities$44.34M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Zavala County Bank?
$79.93M as of the latest filing.
How much are Zavala County Bank's total deposits?
$68.78M in total deposits.
Where is Zavala County Bank located?
Crystal City, TX.
What is the Net Interest Margin?
3.59%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$7.61M (latest filing).
What is the total interest income (latest filing)?
$702.00k.