Side-by-side · Q2 2026 data
First State Bank of Uvalde vs Zavala County Bank
Metric by metric
| Measure | First State Bank of Uvalde | Zavala County Bank |
|---|---|---|
| TellerScore | 75 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 58 | 99 (stronger) |
| Earnings | 68 | 80 (stronger) |
| Funding & liquidity | 52 | 81 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 77th | 94th |
| Total assets | $1.7B | $79.0M |
| Deposits / shares | $1.5B | $69.5M |
| Capital ratio | 15.66% | 15.75% (stronger) |
| Problem loans | 1.27% | 0.03% (stronger) |
| Net charge-offs | 0.10% | 0.09% (stronger) |
| Return on assets | 1.19% | 1.51% (stronger) |
| Loans ÷ deposits | 45.2% | 8.9% (stronger) |
| Uninsured deposits | 58.3% | 31.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zavala County Bank has the higher TellerScore (93 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Uvalde leads on 0 and Zavala County Bank on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.