Zavala County Bank: how it compares with its peers
Against 70 TX banks with half to twice its assets, Zavala County Bank's strongest measure in Q2 2026 is efficiency ratio (60.25% vs. a 67.94% peer median). Its weakest relative measure is net interest margin (3.58% vs. 4.00%).
| Measure | Zavala County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.13% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 4.00% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.25% | 67.94% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $5.8M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 8.89% | 51.77% | Context |
What it means for lending operations
Its efficiency ratio of 60.25% is better than the 67.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- Pavillion Bank Richardson, TX · $78M
- First National Bank of South Padre Island South Padre Island, TX · $78M
- The City National Bank of San Saba San Saba, TX · $80M
- Citizens National Bank of Crosbyton Crosbyton, TX · $78M
- Citizens State Bank Anton, TX · $81M
Questions about Zavala County Bank
How big is Zavala County Bank?
Zavala County Bank, established in 1907, is headquartered in Crystal City, TX. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Zavala County Bank's return on assets?
1.51% annualized in Q2 2026, against a 1.13% median for 70 TX banks with half to twice its assets, ahead of 63% of them.
What is Zavala County Bank's efficiency ratio?
60.25% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 67.94%, and lower is better.
Is Zavala County Bank growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.