BANK OF ZACHARY

ZACHARY, LA | Small | Est. Jan. 1, 1904, midnight | FDIC #306 | RSSD #860334 | FDIC
Latest Report: 2025-12-31

BANK OF ZACHARY is asn small FDIC-insured commercial bank headquartered in ZACHARY, LA, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $411M and total deposits of $358M. Profitability stands at 0.90% ROA and 9.65% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 18.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.99%. FDIC Certificate #306.

Assets

$411M

Deposits

$358M

Loans

$290M

Equity

$39M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 9.65%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.88%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.99%
NPA Ratio 0.20%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 18.90%
Tier 1 Capital 18.90%
Total Capital Ratio 19.96%
Leverage Ratio 11.97%
Loan-to-Deposit 80.98%

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