# ZAVALA COUNTY BANK
CRYSTAL CITY, TX · FDIC certificate 15105 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $79.0M | |
| Deposits | $69.5M | |
| Loans and leases | $6.3M | |
| Total equity | $9.3M | |
| Loans / deposits | 8.89% (p5 of band) | 73.59% |
| Liquid assets / assets | 88.11% (p98 of band) | |
| Uninsured deposits / deposits | 31.90% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.75% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -40.62% (p9 of band) | -6.57% |
| AOCI / equity | -4.05% (p3 of band) | |
| ROA (annualized) | 1.51% (p68 of band) | 1.17% |
| Net interest margin | 3.58% (p32 of band) | 3.93% |
| Efficiency ratio | 60.25% (p36 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 5200.00% | |
| Real estate % of loans | 16% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.5M (23.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | NIM <2.5% | capital falling |
| 2016-09 | 0 |  | NIM <2.5% |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, NIM <2.5% |  |
| 2017-06 | 0 |  | capital falling, NIM <2.5% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | losing money, expense ratio p90 |  |
| 2025-03 | 3 |  | losing money, expense ratio p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | deposits shrinking, assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-05-26 [Michael Kirk Obituary May 26, 2020 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1tZG9YbjRNV2JzbWhMaDI3RFJOTnkzQnZZb04tS3k1RUpjR194RXJIcEFzV2JwTi14X01sTjVocWM4b2E1OUlqalpSZFctYThON3lFYk5tYWtGeUh3WTRUQw?oc=5) · Rushing-Estes-Knowles Mortuary
- 2014-01-22 [Atascosa National Bank announces promotions - pleasantonexpress.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOTlCY2JwWHpjN2NMaXBTaHlXRXJrOVJ2UE9JU0sxOUM2dmxwdGlOdUN2T0k2Y09lN09ZWS1Ud1drZC1EX3ZjWFFEa1RUR2ZOWTlneHQ5RU4xakZCcld0bUo3YVlwNEpGSmV4dkIwY2piR3JSU3g2SlEyYVNTWUMzbUZmTmJrZ0RBWmVXZXpmYk4?oc=5) · pleasantonexpress.com
- 2026-03-10 [Josefina Ledesma Maldonado Obituary (2026) - Uvalde, TX - Hillcrest Memorial Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNTjFHa2JNa2tINjA0dzNGYTg1Mm1MOHc0dXA3eGM2dFY4OUdGYXJJWlh1M0w3WE03bjYzcm14bHp3U3o4eEIwMldIY1RkTlN0TXlFN19sWXg2ZXBVdHhqWWItM3ppdTE0Z3lWY1N3R2tnM2Rpam4yZ2hWbW8xTVNkTk04WlNsdUxt?oc=5) · legacy.com
- 2010-06-27 [Dolph Briscoe, Jr. Obituary Jun 27, 2010 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1CMWVwTVpwZGhpUnRFcHB1S0lIN3pPYU1sZlVoMUVZTFN6ODFac1k2b3dmZHRfcFp4T2VJZnpheGhjUDBFSHd2YVVEaU5hcDdGM1JQeUJhVmNiLWo1T1ZGNTdpaDE?oc=5) · Rushing-Estes-Knowles Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15105 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "15105", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide