🏦Bank Scorer

ZAVALA COUNTY BANK

CRYSTAL CITY, TX · Supervised by FDIC

Est. 1907FDIC #15,105RSSD: FDIC-15105
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.50%

Institution Profile

FDIC BankFind

Address

2300 N Us Highway 83, CRYSTAL CITY, TX

County

Zavala County

Established

January 1, 1907

Total Assets

$79M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$79M

Total Deposits

$70M

Net Loans

$6M

Net Income

$294K

ROA

1.50%

ROE

12.91%

Risk-Based Capital

62.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$65M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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