BlastPoint's Banking Scorecard

Zavala County Bank

under $100M Specialty: Mortgage TX FDIC cert 15105

Designations: ✓ Community bank

Crystal City, TX

2 branches across TX

541 banks in the under $100M peer group nationally 38 in TX

Zavala County Bank has 6 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 17.97% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Non-Interest Income / Assets 0.36% below tier average
+ ROA 0.66% above tier average
+ Efficiency Ratio 28.32% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.32% below tier average

Get updates when Zavala County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$79.5M +4.6% YoY +2.1% QoQ	+$17.3M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$6.3M +0.2% YoY -21.2% QoQ	-$28.0M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 7.2% in tier
Total Deposits ?	$70.1M +3.0% YoY +2.7% QoQ	+$18.4M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.50% +17.1% YoY +6.0% QoQ	+0.66%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.54% +0.4% YoY -3.5% QoQ	-0.32%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	60.02% -8.3% YoY -4.4% QoQ	-28.32%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	8.94% -2.8% YoY -23.2% QoQ	-55.28%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.3% in tier
Non-Interest-Bearing Deposit Share ?	41.69% +1.6% YoY -8.5% QoQ	+17.97%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.8% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.79%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	61.91% +4.5% YoY +7.7% QoQ	+35.22%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 5.7% in tier
Non-Interest Income / Assets ?	0.31% -0.7% YoY -75.4% QoQ	-0.36%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 7.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 8.94%

Peer Median: 64.22%

#24 of 541 Top 4.3% in under $100M

Tier 1 Capital Ratio

capital

Value: 61.91%

Peer Median: 26.68%

#32 of 541 Top 5.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 41.69%

Peer Median: 23.71%

#43 of 541 Top 7.8% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.67%

#44 of 541 Top 7.9% in under $100M

123

Return on Assets

profitability

Value: 1.50%

Peer Median: 0.84%

#123 of 541 Top 22.6% in under $100M

Top Weaknesses (1 metrics)

503

Total Loans

size

Value: $6.26M

Peer Median: $34.25M

#503 of 541 Bottom 7.2% in under $100M