Is Ozona Bank Safe?
Ozona Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (48/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.98% | 100/100 |
| Nonperforming Loan Ratio | 0.57% | 89/100 |
| Liquidity Ratio | 60.09% | 100/100 |
| Return on Assets | 0.69% | 48/100 |
| Total Assets | $0.4B | |
How does Ozona Bank compare?
With a Bank Health Score of 91/100, Ozona Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Ozona Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 22.98% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.57% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Ozona Bank's Bank Health Score improved by 1.0 points to 91/100. Tier 1 capital was essentially flat at 22.98%.
Ozona Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (48/100).