# OZONA BANK
OZONA, TX · FDIC certificate 3376 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $346.1M | |
| Deposits | $282.8M | |
| Loans and leases | $178.5M | |
| Total equity | $32.5M | |
| Loans / deposits | 62.36% (p15 of band) | 82.04% |
| Liquid assets / assets | 44.03% (p87 of band) | |
| Uninsured deposits / deposits | 27.99% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.95% (p70 of band) | |
| FHLB advances / assets | 7.95% | |
| Tier 1 leverage | 12.31% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -32.06% (p11 of band) | -8.10% |
| AOCI / equity | 1.14% (p95 of band) | |
| ROA (annualized) | 0.68% (p17 of band) | 1.28% |
| Net interest margin | 4.18% (p66 of band) | 3.91% |
| Efficiency ratio | 83.67% (p91 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p61 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 112.02% (p90 of band) | |
| Auto loans | $1.2M (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, expense ratio p90 |  |
| 2011-09 | 2 |  | expense ratio p90 |
| 2011-12 | 1 |  | losing money |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 1 | construction >100% equity |  |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 1 | construction >100% equity |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 2 | charge-offs p90 | reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2019-03 | 1 | reserve under noncurrent | construction >100% equity |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 1 |  | noncurrent p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | expense ratio p90, noncurrent p90 |  |
| 2020-09 | 3 | capital falling | expense ratio p90 |
| 2020-12 | 3 | expense ratio p90 | reserve under noncurrent |
| 2021-03 | 3 | reserve under noncurrent | capital falling |
| 2021-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2021-09 | 3 | capital falling, noncurrent p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90, noncurrent p90 |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | construction >100% equity |  |
| 2023-03 | 4 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking | noncurrent p90, reserve under noncurrent |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | uninsured deposits leaving | construction >100% equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | expense ratio p90 |  |
| 2025-09 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking, expense ratio p90 |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | expense ratio p90 |  |
| 2026-06 | 4 | capital falling, construction >100% equity | noncurrent p90, reserve under noncurrent |

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

- 2026-09-01 [Spotlight On: Tommy Forsythe, President, Ozona Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUkhScFI4Z2p0SjhoVHNhVzZZMXI5NnJOZ2VnN0JiZjVjalh1WEhpcmJqcVZRMWNNVjJHakhUUzNMbWxac2dZSlRDY1BRelFuMU92bXJ4bFR2ZTYzTHNCeEJEeDgwa1FaTkhXbVlrVlkyRVVhYktpNXZwRXg4cHQtX3pYMmYyT1JaME0wWGFrOTZwZw?oc=5) · Capital Analytics Associates
- 2026-02-04 [Ozona Bank BizSpotlight - San Antonio Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMiggFBVV95cUxNN1NnMDZfeW4wel9TZ09VdHhvbnl4LTNpNmItcV8xV19NU0N1bkVGTEhPQU9vZmdNUUhUNV8tdWkyQ29fd01HeGxqUjhZNy1fWDQxNG9ESnhSczFpN09Yem5NOEYtTTE5MVBXWG5Ta2h0d3NrbWR4aHFYZV9vQ0JxTjd3?oc=5) · The Business Journals
- 2021-09-23 [Ozona community supports football coach as he fights to save infant son - gosanangelo.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQQndDS21TN3ZOUXNSLVBtXzZiSkszTXhVQlNZOWlOV01LT1ZVNFp3RmtDa3BpY0NaYklka2tvVF9tSm5LZHpyWHRkWndZRVpWX05Ra2c0NEx5WmdQRkFUaGdUaE9RTVJwTy1hMlhJLWVmNjV6SEFDdk80cW9TYnprWlZGUjlLcHJwQWg1bGV2dVh5eGxrbjlrYVRiSmJYWWlrREQ5aUx5YXo3ZDExc001ZUI2V1VpM1VqWEcycA?oc=5) · gosanangelo.com
- 2023-03-13 [A finance expert on what happens next after the collapse of Silicon Valley Bank - Startup Daily](https://news.google.com/rss/articles/CBMiwgFBVV95cUxONUdlUjl2Mk92TEROa2tJUFFDSHkyaThUem1JeDl4VGlGWFM0LWdlcC03WVpMN0dDUkdKcm9BUmRJWUJwenRuQ2p2eFVOazJiNFBHNnM2X1ZnWXBmM2JkRFFHSUVfV1pJTEc5b2Q5TEszbU4xd0VRSnFmb0xQM2xBUHBxY0NueldBdGFmZy1HQWxrUG5IWTN5NGppT05RN2huekVTWVpDaVRMY2lXLW1MNGhDNE4xQWJCelEyb25wTXVoQQ?oc=5) · Startup Daily
- 2021-02-05 [Oklahoma bank opens first Texas branch in San Antonio - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNN0pkM3FhZGt5YmhUTnM2dG9KMUlmYTNMVWljbGdGNzIxVUs3Mkw5MExiTGF2UzB0bUtFOEFwZFZPQ3k5MDdxanUwdkRRRFhWT0tHTC1iR3JRMElZb2JNdS1rM2VwZTc3OFNVbmVpb2E1S3o5bzVFdndZVW03QmxGNlNiVTFUWF9DSVI0ZGg0UG01LTVtSEc3ZmVUM1QxdTFqN3ZoVmIzMA?oc=5) · The Business Journals
- 2021-10-04 [Debra Vordick Obituary (1954 - 2015) - Ozona, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVEFXZmNzc29PU3hFTE5EVmJxU0Vtb1ZXSEU4V1g4eUpqVlM0RS1pZWd2ZE05S0ZLUTRzMWdpSWNVblFCWjhCank0bzlCNWNVaWVCaGlJT0JpZ0dqanBFVkhiZ09xN0o4Y0lyZnVhNVhCdzhBekNzV0YxRldvNjlIcW5JVHhacmptS2MzbjBYVTdwQQ?oc=5) · legacy.com
- 2026-04-22 [Spotlight On: Monica Vazquez, Executive Vice President & General Manager, ABANCA USA - caa - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPVVJaMUlpRDN5dU1oaTFpdGpESVA0Y0lJWUFnVWdkRTdDNW9CTzE0WG1waFF0Q1E3bGU0R2dyVzl0ajEzZzV3NU5Ib0FRam9pSFhBcEJWNU92SDlDNnpSQzJCaHZLZXhfWUdzZGlyMWJFemQ5N0NRVUlPanJ3V3J2TzhQSF9aUFVWb01FaUNDeDNMMENWNm1sRHQ4RlRscVFSOGlFWGFZU1M4MmJubEJXM3FhTXp0TjFsSnpN?oc=5) · Capital Analytics Associates
- 2026-09-08 [Spotlight On: Todd Brockwell, CEO, 1900 Wealth - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcHVoNW16Z1Q2NDR3NXFubGJ5ODlzZmVJbmU4ZlcwS0RqRFBhbnZ2bjg4bGNrNlBVZVBpbnVwMEFZRUdoa01KZ3lhUnktQlRwMDZjTXM3T3FZTURtREQtN2RFQVhZNEpZVmM0c0oweWpDV0JtSVpwVmZkNFJlQUVEazhfZTRVaFE2cXJJ?oc=5) · Capital Analytics Associates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3376 (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/48.json (key "3376", 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