Advertisement
Ozona Bank
Ozona, TX · FDIC Certificate #3376 · Chartered 06/0
Total assets
$346.07M
Total deposits
$282.79M
Total equity
$32.55M
Net loans
$176.34M
Branches (offices)
7
Net income (YTD)
$1.15M
Rank: #2,266 of 4,213 U.S. banks by assets · #195 of 346 in Texas. Assets changed 8.6% and deposits 4.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.13% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 12.31% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 62.4% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.26M | 79.0% | |
| Commercial & industrial | $32.60M | 18.5% | |
| Consumer / individual | $3.50M | 2.0% | |
| Construction & development | $36.46M | 20.7% | |
| Agricultural | $3.07M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $348.41M | $329.94M | $1.49M | $17.06M |
| Jun 2023 | $344.14M | $296.18M | $1.82M | $18.99M |
| Jun 2024 | $362.74M | $285.81M | $1.22M | $23.68M |
| Jun 2025 | $318.57M | $271.56M | $480.00K | $26.73M |
| Jun 2026 | $346.07M | $282.79M | $1.15M | $32.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $282.79M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $282.79M.
Similar-sized banks
Community Bank Of Raymore ($346.92M) · Community State Bank ($345.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement