Zavala County Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 63.5 and a capital leverage ratio of 15.8. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Excellent (7.2) profitability. Excellent liquidity 7.2, driven by a liquidity ratio of 76.9 percent and a “hot money” ratio of 7.2 percent.
Asset Mix:
Securities (61%), cash (27%), consumer loans (5%), comm loans (2%), comm re (1%), other (4%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
2300 US Highway 83 North
Crystal City, TX 78839
Crystal City, TX 78839
Phone Number
(830) 374-5866
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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