BlastPoint's Banking Scorecard
Zavala County Bank
Designations: ✓ Community bank
Crystal City, TX
2 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +7.2% year over year ($69.5M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.51%.
- Efficiency ratio 60.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 8.89% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Zavala County Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.44% above tier average
- + Non-Interest Income / Assets 0.76% below tier average
- + ROA 0.51% above tier average
- + Efficiency Ratio 59.15% below tier average
- + Delinquency Rate 1.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.0M
+7.9% YoY
-0.6% QoQ
|
+$16.6M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$6.2M
-5.0% YoY
-1.4% QoQ
|
-$28.7M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.1% in tier |
| Total Deposits ? |
$69.5M
+7.2% YoY
-0.8% QoQ
|
+$17.9M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.51%
+5.2% YoY
+0.7% QoQ
|
+0.51% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.58%
-1.6% YoY
+1.1% QoQ
|
-0.33% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
60.25%
-4.4% YoY
+0.4% QoQ
|
-59.15% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? | 0.03% | -1.45% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
8.89%
-11.4% YoY
-0.6% QoQ
|
-65.32% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 4.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.93%
-6.7% YoY
-1.8% QoQ
|
+17.44% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 8.8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.83% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
62.95%
+3.3% YoY
+1.7% QoQ
|
+35.83% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 6.5% in tier |
| Non-Interest Income / Assets ? |
0.62%
-4.0% YoY
+103.3% QoQ
|
-0.76% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 7.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
40.9%
-3.0pp YoY -0.8pp QoQ |
+16.3pp | 24.6% | 29.2% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.2%
+0.6pp YoY +4.5pp QoQ |
+9.8pp | 13.4% | 14.8% | 12.5% | 84% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
0.1%
0.0pp YoY 0.0pp QoQ |
-34.9pp | 35.0% | 25.8% | 31.3% | 1% |
| Consumer |
61.1%
+0.1pp YoY -0.1pp QoQ |
+53.4pp | 7.7% | 4.7% | 5.0% | 99% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
63.0%
+2.0pp YoY +1.0pp QoQ |
+24.3pp | 38.7% | 22.7% | 19.7% | 89% |
| Leverage Ratio |
15.7%
+0.5pp YoY +0.8pp QoQ |
-1.9pp | 17.7% | 12.6% | 12.6% | 74% |
| Total Capital Ratio |
63.5%
+2.0pp YoY +1.0pp QoQ |
+23.8pp | 39.7% | 23.8% | 20.8% | 89% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-2 (-11.1%) YoY 0 QoQ |
+4 | 12 | 186 | 482 | 77% |
| Assets per Employee ($) |
$4.9M
+21.4% YoY -0.6% QoQ |
-$1.3M | $6.2M | $10.1M | $8.8M | 34% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 12 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | 0.0% | -1.7pp | 1.7% | 1.0% | 1.0% | 3% |
| Allowance Coverage | 52.00x | +45.59x | 6.41x | 18.82x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
-0.9pp YoY 0.0pp QoQ |
+6.6pp | 6.4% | 13.2% | 11.6% | 77% |
| Cost of Funds (YTD) |
0.5%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$593,000
+10.8% YoY — QoQ |
+$275K | $317,817 | $15.9M | $40.4M | 82% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.