BlastPoint's Banking Scorecard
Ozona Bank
Micro
Specialty: Commercial
TX
FDIC cert 3376
Designations: ✓ Community bank
Ozona, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Ozona Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 22.17% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.66% above tier
- - Nonperforming Asset Ratio 2.70% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$327.0M
+3.4% YoY
-3.5% QoQ
|
+$109.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$155.9M
+19.3% YoY
+1.6% QoQ
|
+$16.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$274.1M
-1.4% YoY
-3.3% QoQ
|
+$90.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.74%
-5.4% YoY
+75.5% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.11%
+11.9% YoY
+4.6% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
81.78%
+1.5% YoY
-1.4% QoQ
|
+14.05% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
6.30%
+11.8% QoQ
|
+5.66% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
56.86%
+21.0% YoY
+5.2% QoQ
|
-17.66% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
44.56%
+4.9% YoY
-4.7% QoQ
|
+22.17% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
3.15%
+930.7% YoY
+20.2% QoQ
|
+2.70% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
21.72%
-6.5% YoY
-1.6% QoQ
|
+12.87% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.69%
+5.8% YoY
+42.0% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.56%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.30%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.15%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.56% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.72% · Tier avg: 8.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
77
77th pctile
Total Assets
Current: $327.0M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $274.1M · Tier avg: $183.7M
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
62
62th pctile
Total Loans
Current: $155.9M · Tier avg: $139.2M
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.86% · Tier avg: 74.53%
18
18th pctile
Efficiency Ratio
Current: 81.78% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 6.30% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.15% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.15% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.30% · Tier avg: 0.64%
18
18th pctile
Efficiency Ratio
Current: 81.78% · Tier avg: 67.73%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.86% · Tier avg: 74.53%
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
62
62th pctile
Total Loans
Current: $155.9M · Tier avg: $139.2M
64
64th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
76
76th pctile
Total Deposits
Current: $274.1M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $327.0M · Tier avg: $217.5M
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.72% · Tier avg: 8.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.56% · Tier avg: 22.39%