The Ozona National Bank

The Ozona National Bank is headquartered in Ozona and is the 236^th largest bank in the state of Texas. It is also the 2,997^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 74 employees at 6 locations. The Ozona National Bank has a 4-star health rating.

The Ozona National Bank Checking Account Rates

The Ozona National Bank Savings Account Rates

The Ozona National Bank Money Market Rates

The Ozona National Bank CD Rates

The Ozona National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Ozona National Bank FDIC Certificate # 3376 BankRate Report View Year Established 1905 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $210.39 million Loans $106.83 million Deposits $186.95 million Equity Capital $22.64 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $4.51 million Real Estate Owned $285,000 Historic Data - March 2011 Assets $195.89 million Equity Capital $22.03 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $1.56 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.75% Return on Equity 7.07% Interest Income $2.00 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Ozona National Bank had $4.8 million in non-current loans and owned real-estate with $24.32 million in equity and loan loss allowances on hand to cover it. This gives The Ozona National Bank a Texas Ratio of 19.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Ozona National Bank held steady from 17.72% as of March 31, 2011 to 19.73% as of March 31, 2012, resulting in a negative change of 11.30%. This indicates that the balance sheet and financial strength for The Ozona National Bank has held steady in recent periods. Deposit Growth In the past year, The Ozona National Bank has increased its total deposits by $13.95 million, resulting in 8.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Ozona National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Ozona National Bank has $210.39 million in assets with $24.32 million in equity, resulting in a capitalization level of 11.56%, which is above average.

No reviews have been left for this bank yet. Be the first to review.