A
Zavala County Bank
Rating Date
October 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 5.50
Stability Index 7.30
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 -3.21%
5-Year Asset Growth 0.30%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Zavala County Bank
Crystal City, TX
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Total Assets 74.73M
Total Deposits 64.83M
Capital and Reserves Zavala County Bank
Crystal City, TX
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Capital 9.64M
Leverage Ratio 17.33
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio 64.50
Liquidity Zavala County Bank
Crystal City, TX
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Hot Money Ratio 5.72%
Liquidity Ratio 71.38%
Profitability Zavala County Bank
Crystal City, TX
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5-Year Return on Average Assets 1.06%
Net Income 535.00K
Net Interest Spread 3.44%
Operating Profit to Average Assets 1.64%
Overhead Efficiency Ratio 63.05%
Return on Assets 1.40%
Return on Equity 11.55%