Ozona Bank is a state-chartered bank headquartered in Ozona, Texas, in business for about 121 years. At the end of Q2 2026 it reported $346.1M in total assets and $282.8M in deposits, with 7 offices.
Ozona Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 103rd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (47/100, 0.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (75 → 79), mostly because the loan quality component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 75 |
| Q3 2025 | 49 |
| Q4 2025 | 51 |
| Q1 2026 | 47 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 11.42% |
| Q4 2024 | 12.44% |
| Q1 2025 | 12.86% |
| Q2 2025 | 12.99% |
| Q3 2025 | 12.77% |
| Q4 2025 | 12.82% |
| Q1 2026 | 12.48% |
| Q2 2026 | 12.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.45% |
| Q3 2025 | 5.53% |
| Q4 2025 | 6.20% |
| Q1 2026 | 7.11% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $346.1M | 12.31% | 0.00% | 0.68% | 62.4% |
| Q1 2026 | 47 | $345.8M | 12.48% | 7.11% | 0.54% | 57.0% |
| Q4 2025 | 51 | $327.0M | 12.82% | 6.20% | 0.74% | 56.9% |
| Q3 2025 | 49 | $338.8M | 12.77% | 5.53% | 0.42% | 54.1% |
| Q2 2025 | 75 | $318.6M | 12.99% | 0.45% | 0.30% | 49.8% |
| Q1 2025 | 77 | $319.5M | 12.86% | 0.48% | 0.66% | 48.4% |
| Q4 2024 | 76 | $316.3M | 12.44% | 0.54% | 0.79% | 47.0% |
| Q3 2024 | 73 | $341.4M | 11.42% | 0.55% | 0.73% | 45.1% |
| Q2 2024 | 71 | $362.7M | 10.98% | 0.57% | 0.69% | 45.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of HerefordBank Hereford, TX | 84 out of 100, Strong | $344.6M | 12.3% | 0.05% | vs |
| The National Bank of AndrewsBank Andrews, TX | 49 out of 100, Below average | $340.5M | 10.1% | 3.05% | vs |
| Integrity Bank SSBBank Houston, TX | 78 out of 100, Strong | $339.6M | 14.5% | 0.00% | vs |
| First State Bank of TexasBank Orange, TX | 39 out of 100, Low | $353.6M | 9.2% | 2.85% | vs |
| The Waggoner National Bank of VernonBank Vernon, TX | 88 out of 100, Very strong | $353.7M | 14.4% | 0.66% | vs |
| Security State BankBank Farwell, TX | 88 out of 100, Very strong | $338.0M | 14.6% | 0.03% | vs |
Deposit insurance
Is my money safe at Ozona Bank?
Yes. Ozona Bank is an FDIC-insured institution (FDIC certificate #3376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.0% of deposits ($79.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.13% (benchmark: 10%).
7 locations
Branches
Ozona Bank lists 4 offices in 4 cities. Most locations:
- Ozona, TX (1)
- San Antonio, TX (1)
- San Marcos, TX (1)
- Wimberley, TX (1)
Identity & history
Profile
- Legal name
- Ozona Bank
- Former names
- The Ozona National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 3376
- RSSD ID
- 780263
- Primary regulator
- FDIC
- Holding company
- Onb Bancshares Inc
- Established
- June 1, 1905
- Headquarters
- 503 11th Street, Ozona, TX 76943
- Website
- www.ozona.bank
- Employees
- 64
Quick answers
Ozona Bank: common questions
Is Ozona Bank FDIC insured?
Yes. Ozona Bank is an FDIC-insured institution (FDIC certificate #3376). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ozona Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ozona Bank ever failed?
There is no failure record for FDIC certificate #3376 in the FDIC failed bank list.
How many branches does Ozona Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ozona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pinnacle BankBank Fort Worth, TX | 75 out of 100, Strong | $2.7B | 10.9% | 0.13% | vs |