Side-by-side · Q2 2026 data
Zavala County Bank vs Citizens State Bank
Metric by metric
| Measure | Zavala County Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 84 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 80 (stronger) | 53 |
| Funding & liquidity | 81 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 94th | 76th |
| Total assets | $79.0M | $80.7M |
| Deposits / shares | $69.5M | $67.0M |
| Capital ratio | 15.75% | 15.98% (stronger) |
| Problem loans | 0.03% | 0.01% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 1.51% (stronger) | 0.82% |
| Loans ÷ deposits | 8.9% (stronger) | 99.5% |
| Uninsured deposits | 31.9% | 14.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zavala County Bank has the higher TellerScore (93 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Zavala County Bank leads on 3 and Citizens State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.