Zavala County Bank
Crystal City, TX
IDRSSD: 969956
Total Assets
$77.82M
Latest filing
Total Deposits
$68.25M
Latest filing
Net Interest Margin
3.87%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114910222CRYSTAL CITY, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Zavala County Bank
2300 N Us Highway 83
Crystal City, TX 78839
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 9481
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Zavala County Bank (Main) | 2300 N Us Highway 83 | Crystal City, TX |
| LA PRYOR BRANCH | 237 Us Highway 57 West | La Pryor, TX |
Showing 1 of 1
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 | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78839 |
| State and County Number | 48507 |
| Subchapter S Corporations | No |
| 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 | 16 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/24/1935 |
| Primary Insurance Agency | DIF |
| Website | www:zcbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15105 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $77.82M |
| Total Deposits | $68.25M |
| Total Liabilities | $68.78M |
| Total Equity Capital | $9.04M |
| Net Income | $243.00k |
| Net Loans and Leases | $7.95M |
| Assets Per Employee ($Millions) | $5.19M |
| Bank Premises and Fixed Assets | $2.09M |
| Cash and Balances due from Depository Institutions | $19.32M |
| Deposits Held in Domestic Offices | $68.25M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 9.74% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 63.07% |
| Tier 1 Risk-Based Capital Ratio | 57.548% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.619% |
| Earning Assets to total Assets | 91.81% |
Income and Expense
| Total Interest Income | $778.00k |
| Total Noninterest Income | $244.00k |
| Total Interest Expense | $85.00k |
| Total Noninterest Expense | $591.00k |
| Net Interest Income | $693.00k |
| Pre-tax Net Operating Income | $346.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $530.00k |
| Total Liabilities and Capital | $77.82M |
Securities
| Securities | $47.34M |
| Available-for-sale debt securities | $47.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$77.82M as of the latest filing.
How much are Zavala County Bank's total deposits?
$68.25M in total deposits.
Where is Zavala County Bank located?
Crystal City, TX.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$7.95M (latest filing).
What is the total interest income (latest filing)?
$778.00k.