Zavala County Bank vs Heritage Bank
Side-by-side bank health comparison using FDIC financial data
Zavala County Bank (A) and Heritage Bank (A) are close on the BankHealth rubric. Asset bases: $77M versus $573M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Zavala County Bank has a stronger Bank Health Score of 100/100 (A) compared to Heritage Bank at 100/100 (A), a difference of 0 points. Zavala County Bank holds a Tier 1 capital ratio of 63.4% and an NPL ratio of 0.00%.
| Metric | Zavala County Bank | Heritage Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 63.4%* | 20.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 84.8%* | 65.4% |
| Return on Assets Profitability metric (above 1% is strong) | 1.9% | 2.9%* |
| Total Assets | $77M | $573M |
| Total Deposits | $68M | $420M |
| Location | Crystal City, Texas | Wood River, Nebraska |
Zavala County Bank has a stronger Bank Health Score of 100/100 (A) compared to Heritage Bank at 100/100 (A), a difference of 0 points. Zavala County Bank holds a Tier 1 capital ratio of 63.4% and an NPL ratio of 0.00%.