| Metric | Zavala County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.0% | +4.9 pts |
| Deposit growth (YoY) | +7.2% | +2.5% | +4.8 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | 1.51% | 0.99% | +0.5 pts |
| ROE | 12.9% | 8.1% | +4.9 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.0M | $69.5M | $6.2M | $9.3M | $593K | 1.51% | 3.58% | 0.00% |
| Q1 2026 | $79.5M | $70.1M | $6.3M | $9.2M | $294K | 1.50% | 3.54% | 0.00% |
| Q4 2025 | $77.8M | $68.3M | $7.9M | $9.0M | $1.1M | 1.41% | 3.67% | 0.00% |
| Q3 2025 | $78.4M | $68.8M | $7.6M | $9.4M | $833K | 1.47% | 3.59% | 0.00% |
| Q2 2025 | $73.2M | $64.8M | $6.5M | $8.1M | $535K | 1.43% | 3.64% | 0.00% |
| Q1 2025 | $76.0M | $68.0M | $6.3M | $7.8M | $241K | 1.28% | 3.53% | 0.03% |
| Q4 2024 | $75.0M | $67.3M | $6.8M | $7.2M | $-347K | -0.44% | 3.78% | 0.00% |
| Q3 2024 | $76.8M | $66.6M | $6.7M | $9.9M | $976K | 1.63% | 3.78% | 0.00% |
Loan mix (Q2 2026): real estate $1.0M · commercial $1.4M · consumer $3.8M · securities $48.4M
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.99% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 8.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 70.8% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Zavala County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $69.5M branch deposits. Biggest market: Zavala, TX, ranked 1st with 58.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Zavala, TX | 2 | $69.5M | 58.36% | 1st |
Texas: 580th with 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend up 38% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).