Ozona Bank: how it compares with its peers
Against 142 TX banks with half to twice its assets, Ozona Bank's strongest measure in Q2 2026 is net interest margin (4.18% vs. a 4.17% peer median). Its weakest relative measure is efficiency ratio (83.67% vs. 61.04%).
| Measure | Ozona Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.45% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.17% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.67% | 61.04% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $7.0M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.36% | 69.45% | Context |
What it means for lending operations
Its efficiency ratio of 83.67% is above the 61.04% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Hereford Hereford, TX · $345M
- The National Bank of Andrews Andrews, TX · $341M
- Integrity Bank SSB Houston, TX · $340M
- First State Bank of Texas Orange, TX · $354M
- The Waggoner National Bank of Vernon Vernon, TX · $354M
- Security State Bank Farwell, TX · $338M
Questions about Ozona Bank
How big is Ozona Bank?
Ozona Bank, established in 1905, is headquartered in Ozona, TX. It reported $346M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Ozona Bank's return on assets?
0.68% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 12% of them.
What is Ozona Bank's efficiency ratio?
83.67% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is Ozona Bank growing its loans?
Net loans grew 30.3% over the year to Q2 2026, while deposits grew 4.1%.
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.