A
Zavala County Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
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Assets
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Capital
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Income
Weiss Ratings Zavala County Bank
Crystal City, TX
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Rating A
Asset Quality Index 9.60
Capitalization Index 10.00
Liquidity Index 7.10
Profitability Index 4.60
Stability Index 6.90
Company Info Zavala County Bank
Crystal City, TX
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FDIC Number 15105
Phone Number (830) 374-5866
Website www.zcbank.com
Asset Quality Zavala County Bank
Crystal City, TX
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1-Year Asset Growth -5.16%
5-Year Asset Growth 0.30%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans -0.18%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.19%
Non-Performing Loans to Loans 0.38%
Balance Sheet Zavala County Bank
Crystal City, TX
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Total Assets 77.56M
Total Deposits 68.03M
Capital and Reserves Zavala County Bank
Crystal City, TX
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Capital 9.33M
Leverage Ratio 16.50
Loan Loss Reserves to Loans 1.74%
Risk-Based Capital Ratio 62.91
Liquidity Zavala County Bank
Crystal City, TX
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Hot Money Ratio 5.43%
Liquidity Ratio 68.61%
Profitability Zavala County Bank
Crystal City, TX
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5-Year Return on Average Assets 1.06%
Net Income 241.00K
Net Interest Spread 3.32%
Operating Profit to Average Assets 1.48%
Overhead Efficiency Ratio 65.46%
Return on Assets 1.25%
Return on Equity 10.66%