ZAPATA NATIONAL BANK

ZAPATA, TX | Micro | Est. Nov. 16, 1961, midnight | FDIC #18454 | RSSD #218261 | OCC
Latest Report: 2025-12-31

ZAPATA NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in ZAPATA, TX, established in Nov. 16, 1961, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $73M. Profitability stands at 2.47% ROA and 16.49% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 14.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 7.52%. FDIC Certificate #18454.

Assets

$86M

Deposits

$73M

Loans

$37M

Equity

$13M

Profitability

Return on Assets (ROA) 2.47%
Return on Equity (ROE) 16.49%
Net Interest Margin (NIM) 4.12%
Yield on Assets 5.62%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.52%
NPA Ratio 1.15%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 14.75%
Tier 1 Capital 14.75%
Total Capital Ratio 15.49%
Leverage Ratio 15.04%
Loan-to-Deposit 51.17%

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