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BDI
ZC

Zavala County Bank

Crystal City, TexasFDIC Cert #15105

STATEEstablished 19072 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.09%
−87.5%y/y
Peer standing73rd percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.23%
+231.0%y/y
Peer standing11th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$4K
+233.3%y/y
Peer standing18th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.62%
−7.3%y/y
Percentile by value73rd percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$6K
−87.5%y/y
Peer standing71st percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET