Bank of Zachary
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Data as of · sourced from FFIEC call reports. How we update
Bank of Zachary is an FDIC-insured commercial bank headquartered in Zachary, LA, established in 1904 (FDIC certificate 306), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $416.0M, up 4.4% from Q2 2025, the 48th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 18.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 306
- Headquarters
- Zachary, LA
- Established
- 1904
- Total assets, Q2 2026
- $416.0M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 18.40%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065402520
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Zachary call report
- Holding company
- ZACHARY BANCSHARES, INC.
- Asset rank in state
- 48th of 102 in Louisiana
Bank of Zachary, based in Zachary, Louisiana, reported $416 million in assets at June 30, 2026, up 4.4% from a year earlier. It grew its loan book 15.4% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.4% and deposits rose 1.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 30% of Tier 1 capital, down from 37% a year earlier.
As of June 30, 2026, Bank of Zachary reported a CET1 capital ratio of 18.40%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.51%. The figures come from its call report filed with the FFIEC.
Bank of Zachary ranks as the 48th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $416.0M, loans fell 0.5% and deposits fell 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by construction and land development loans at 22.7%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in LA; its Zachary 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Bank of Zachary meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4743 Main St, Zachary, LA 70791
- County
- East Baton Rouge
- Metro Area
- Baton Rouge, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $359.7M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $236K
- Average total assets
- $431.3M
- Average total loans
- $306.8M
- Average interest-bearing deposits
- $253.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 306
- Fed RSSD
- 860334
- SEC CIK
- 740875 → filed by ZACHARY BANCSHARES, INC.
- Website
- www.bankofzachary.com →
- Parent Holding Company
- ZACHARY BANCSHARES, INC. (RSSD 1086056)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Zachary's total assets ran between $394.1M (Q4 2024) and $422.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$416.0M total assets against $398.3M; $376.6M total liabilities against $362.4M.
$305.2M net loans and leases against $264.1M; $359.7M total deposits against $355.7M.
$82.9M securities against $100.6M; $12.7M cash and balances due against $17.6M.
$5.8M total interest income against $5.2M; $1.4M total interest expense against $1.5M.
$4.4M net interest income against $3.7M.
$292K total noninterest income against $536K; $3.4M total noninterest expense against $3.1M.
$80K provision for credit losses against $0.
$1.0M net income against $995K.
0.96% return on assets against 0.95%; 4.29% net interest margin against 3.76%.
18.40% CET1 capital ratio against 20.28%; 11.92% tier 1 leverage ratio against 12.12%.
Inside the full Bank of Zachary terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 439 of 2,134, for CET1 ratio; its furthest is 2,949 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 0.96% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.40% | 0.96% | 0.07% | 0.51% | 4.29% |
| Q1 2026 | 18.31% | 0.93% | 0.19% | 1.66% | 4.15% |
| Q4 2025 | 18.90% | 0.87% | 0.30% | 2.06% | 4.10% |
| Q3 2025 | 19.26% | 0.92% | 0.29% | 2.01% | 4.10% |
| Q2 2025 | 20.28% | 0.95% | 0.20% | 1.40% | 3.76% |
| Q1 2025 | 19.99% | 0.64% | 0.25% | 1.77% | 3.57% |
| Q4 2024 | 20.38% | 0.78% | 0.24% | 1.69% | 3.66% |
| Q3 2024 | 21.04% | 0.47% | 0.26% | 1.60% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Zachary (main office) | Zachary , LA | 70791 | $230.8M |
| Central Branch | Baton Rouge , LA | 70818 | $68.9M |
| St. Francisville Branch | Saint Francisville , LA | 70775 | $29.4M |
| Watson Branch | Denham Springs , LA | 70726 | $19.7M |
| Plaza Branch | Zachary , LA | 70791 | $10.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 56 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 98 loans originated, $23.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Zachary
What are Bank of Zachary's total assets?
As of the Q2 2026 filing, Bank of Zachary reported total assets of $416.0 million in its FFIEC call report.
Where is Bank of Zachary headquartered?
It is headquartered in Zachary, LA, United States.
When was Bank of Zachary founded?
It was established in 1904, per the FDIC institution directory.
Is Bank of Zachary FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Zachary?
Bank of Zachary's primary federal regulator is the FDIC.
What is Bank of Zachary's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Zachary operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Zachary's Texas Ratio?
Its Texas Ratio is 0.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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