TellerScore

Headquartered in Crystal City, Texas, Zavala County Bank is a state-chartered bank with $79.0M in total assets and $69.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1907.

Based on its Q2 2026 filing, Zavala County Bank scores 93/100, which we describe as very strong. That is higher than 94% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 10th. Its strongest component is capital cushion (100/100; 15.75%), and its lowest is earnings (80/100; 1.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.75%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 8.9% · 31.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.02%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 93).

TellerScore
758595Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202495
Q4 202475
Q1 202587
Q2 202594
Q3 202593
Q4 202591
Q1 202693
Q2 202693
Tier 1 leverage ratio
5.00%10.84%16.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.52%
Q3 202416.68%
Q4 202414.09%
Q1 202514.50%
Q2 202515.28%
Q3 202515.35%
Q4 202514.65%
Q1 202614.90%
Q2 202615.75%
Noncurrent loans
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.38%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.03%
Return on assets
-0.44%0.63%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.71%
Q3 20241.63%
Q4 2024-0.44%
Q1 20251.28%
Q2 20251.43%
Q3 20251.47%
Q4 20251.41%
Q1 20261.50%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$79.0M15.75%0.03%1.51%8.9%
Q1 202693$79.5M14.90%0.00%1.50%8.9%
Q4 202591$77.8M14.65%0.00%1.41%11.6%
Q3 202593$78.4M15.35%0.00%1.47%11.1%
Q2 202594$73.2M15.28%0.00%1.43%10.0%
Q1 202587$76.0M14.50%0.38%1.28%9.2%
Q4 202475$75.0M14.09%0.00%-0.44%10.2%
Q3 202495$76.8M16.68%0.00%1.63%10.0%
Q2 202495$77.2M15.52%0.00%1.71%9.6%

546 peers · Under $100 million in assets

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).

Capital ratio15.75%
74th
Total risk-based capital63.50%
95th
Problem loans0.03%
67th
Net charge-offs0.09%
19th
Return on assets1.51%
75th
Net interest margin3.58%
33rd
Efficiency ratio60.2%
72nd
Loans to deposits8.9%
96th
Uninsured deposits31.9%
10th
Loan-loss reserves1.66%
76th
Texas ratio0.0%
70th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs
Pavillion BankBank Richardson, TX84 out of 100, Strong$78.4M15.5%0.00%vs
First National Bank of South Padre IslandBank South Padre Island, TX84 out of 100, Strong$78.2M14.1%1.24%vs
The City National Bank of San SabaBank San Saba, TX81 out of 100, Strong$80.0M12.0%0.00%vs
Citizens National Bank of CrosbytonBank Crosbyton, TX98 out of 100, Very strong$77.6M16.8%0.00%vs
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs

Deposit insurance

Is my money safe at Zavala County Bank?

Yes. Zavala County Bank is an FDIC-insured institution (FDIC certificate #15105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.9% of deposits ($22.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 63.50% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Zavala County Bank lists 2 offices in 2 cities. Most locations:

  • Crystal City, TX (1)
  • La Pryor, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Zavala County Bank
Former names
Zavalla County Bank
Type
State-chartered bank
FDIC certificate #
15105
RSSD ID
969956
Primary regulator
FDIC
Established
January 1, 1907
Headquarters
2300 N Us Highway 83, Crystal City, TX 78839
Employees
16

Quick answers

Zavala County Bank: common questions

Is Zavala County Bank FDIC insured?

Yes. Zavala County Bank is an FDIC-insured institution (FDIC certificate #15105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Zavala County Bank's TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Zavala County Bank ever failed?

There is no failure record for FDIC certificate #15105 in the FDIC failed bank list.

How many branches does Zavala County Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Crystal City

InstitutionScoreAssetsCapitalProblem loansCompare
PrimeBank of TexasBank Austin, TX79 out of 100, Strong$279.7M11.7%0.00%vs
First State Bank of UvaldeBank Uvalde, TX75 out of 100, Strong$1.7B15.7%1.27%vs