Ozona Bank (FDIC #3376): Bank Stress & Real-Estate Credit Exposure

Ozona Bank (FDIC Cert #3376): bank stress 79/100, severe, STABLE over 7 days; parent ONB BANCSHARES INC.

Ozona Bank (#3376) lends in 3 counties across 1 state; Ozona Bank (#3376) reaches 98 ZIP codes: Texas 3 counties, 98 ZIPs.

Ozona Bank (#3376) largest markets: Bexar County, TX (78 branches, 78 ZIPs) (#3376), Hays County, TX (56 branches, 14 ZIPs) (#3376), Crockett County, TX (12 branches, 6 ZIPs) (#3376).

Ozona Bank (#3376) reports $346.1 million in total assets; Ozona Bank (#3376) equity $32.5 million (9.4% of Ozona Bank (#3376) assets); Ozona Bank (#3376) domestic deposits $282.8 million; Ozona Bank (#3376) net income $1.1 million; Ozona Bank (#3376) return on assets 0.68%; Ozona Bank (#3376) return on equity 7.13%; Ozona Bank (#3376) net interest income $6.6 million; Ozona Bank (#3376) call report June 30, 2026.

Ozona Bank (#3376) noncurrent real-estate loans: none reported; Ozona Bank (#3376) net charge-offs on real estate 0.00%.

Ozona Bank (#3376) net interest margin 4.18% against an eight-quarter Ozona Bank (#3376) average of 3.90% (Ozona Bank (#3376) compression -0.28 points); Ozona Bank (#3376) rate-exposure score 40/100, Ozona Bank (#3376) fixed-rate trap 40/100; Ozona Bank (#3376) risk type credit driven; Ozona Bank (#3376) rate regime rates elevated, Ozona Bank (#3376) snapshot October 19, 2026.

Ozona Bank (#3376) stress score moved from 80.5 on June 22, 2026 to 79.1 on October 19, 2026; Ozona Bank (#3376) ranged 79.1 to 80.5 over 116 snapshots.

Ozona Bank (#3376) alerts: 3 counties; top Ozona Bank (#3376) alert scores: Ozona County, TX 23 (low); San Antonio County, TX 23 (low); Wimberley County, TX 23 (low).