Bank call report · Zachary, LA
Bank of Zachary Call Report
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Bank of Zachary filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 323 reported line items, schedule by schedule (741 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 860334 |
| FDIC certificate number | 306 |
| Total assets | $416.0M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Zachary call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Bank of Zachary balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $416.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $416.0M |
| Total Liabilities and Minority Interest | RCON2948 | $376.6M |
| Total Deposits | RCON2200 | $359.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $307.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $305.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $253.5M |
| Deposits: Noninterest-bearing | RCON6631 | $106.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $82.9M |
| Total Equity Capital | RCON3210 | $39.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $39.4M |
| Surplus | RCON3839 | $25.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $25.1M |
| Other Borrowed Money | RCON3190 | $15.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$12.0M |
| Other Assets | RCON2160 | $7.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.8M |
| Interest-bearing Balances | RCON0071 | $4.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.7M |
| Federal Funds Sold | RCONB987 | $2.4M |
| Other Liabilities, Total | RCON2930 | $1.5M |
| Common Stock | RCON3230 | $720K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Bank of Zachary income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.2M |
| Net Interest Income | RIAD4074 | $8.7M |
| Total Noninterest Expense | RIAD4093 | $6.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.0M |
| Salaries and Employee Benefits | RIAD4135 | $3.7M |
| Total Interest Expense | RIAD4073 | $2.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.5M |
| Other Noninterest Expense | RIAD4092 | $2.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.0M |
| Net Income (Loss) | RIAD4340 | $2.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $965K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $722K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $690K |
| Interest on Other Securities | RIAD4060 | $644K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $583K |
| Total Noninterest Income | RIAD4079 | $567K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $502K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $457K |
| Applicable Income Taxes | RIAD4302 | $437K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $437K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $434K |
| Other Noninterest Income | RIADB497 | $332K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $235K |
| Other Interest Expense | RIADGW44 | $233K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $146K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $143K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $143K |
| Provision for Loan and Lease Losses | RIAD4230 | $140K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $140K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $117K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $87K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $66K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $47K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 66 |
Schedule RC-B: Securities (31 items)
About Schedule RC-B · Bank of Zachary securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $6.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $98.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $55.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $45.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $32.7M |
| Pledged Securities | RCON0416 | $26.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $21.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $17.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $15.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $12.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $8.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $7.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $4.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3.9M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $2.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.5M |
| Amortized Cost of Structured Notes | RCON8782 | $1.3M |
| Fair Value of Structured Notes | RCON8783 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $989K |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $499K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $496K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $183K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $47K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Bank of Zachary loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $307.9M |
| Pledged Loans and Leases | RCONG378 | $147.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $122.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $59.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $58.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $53.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $51.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $51.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $49.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $35.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $33.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $27.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $24.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $24.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $17.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $17.4M |
| Commercial and Industrial Loans | RCON1766 | $11.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $7.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $3.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $2.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $385K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $179K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $175K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $133K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $73K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $27.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $871K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $575K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $342K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $181K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $95K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $94K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 98 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 69 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 41 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 38 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 22 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 15 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Bank of Zachary deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $205.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $195.9M |
| Total Transaction Accounts | RCON2215 | $154.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $120.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $105.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $66.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $53.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $41.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $40.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $40.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $35.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $33.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $29.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $28.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $28.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $18.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $11.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $9.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.6M |
| Total reciprocal deposits | RCONJH83 | $1.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $382K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $3.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.2M |
| Accrued Interest Receivable | RCONB556 | $1.7M |
| Other Assets | RCON2168 | $686K |
| Prepaid Expenses | RCON2166 | $595K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $91K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Bank of Zachary quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $431.3M |
| Quarterly Average of Total Loans | RCON3360 | $306.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $151.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $130.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $106.7M |
| All Other Securities | RCONB560 | $60.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $57.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $48.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $40.9M |
| Mortgage-backed Securities | RCONB559 | $30.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $13.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $12.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $9.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $9.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.4M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $2.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Bank of Zachary derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $40.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $40.0M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $16.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $11.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $4.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $3.8M |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Bank of Zachary memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $15.4M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $15.4M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.8M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Bank of Zachary past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.1M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $577K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $501K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $213K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $131K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $49K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $35K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $33K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $33K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Other Construction Loans and All Land Development and Other Land Loans: Past Due 30 Through 89 Days and Still Accruing | RCONK108 | $29K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $29K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $17K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $9K |
| Additions to Nonaccrual Assets | RCONC410 | $7K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $1K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bank of Zachary other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $431.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $360.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $197.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $159.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $51.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $824K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,651 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 238 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 122 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Bank of Zachary regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $279.4M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Bank of Zachary regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $431.3M |
| Average total consolidated assets | RCOAKW03 | $431.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $279.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $54.2M |
| Common Equity Tier 1 Capital | RCOAP859 | $51.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $51.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $51.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $39.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $26.4M |
| Retained Earnings | RCOAKW00 | $25.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$12.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$12.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1939 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.184 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.184 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1192 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1139 |
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)
About Schedule RC-R, Part II · Bank of Zachary risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $279.4M |
| Total Risk-weighted Assets | RCONG641 | $279.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $173.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $172.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $172.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $168.1M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $167.8M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $164.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $148.6M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $129.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $126.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $84.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $82.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $76.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $76.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $68.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $44.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $20.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $20.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $20.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$17.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $15.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $15.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$15.2M |
| Total All Other Assets | RCOND981 | $15.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $11.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $10.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $9.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $8.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $7.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $7.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $4.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $4.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.8M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $4.3M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $4.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $4.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $4.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $3.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $3.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $2.6M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $2.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $2.4M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $653K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 150 Pct Risk Weight Category | RCONS463 | $385K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $213K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $213K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $54K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $18K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $39.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $39.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $39.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.6M |
| Other Comprehensive Income | RIADB511 | -$45K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Bank of Zachary charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $247K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $144K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $103K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $11K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $11K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Bank of Zachary changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $2.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $247K |
Bank of Zachary call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Zachary call report?
The Bank of Zachary call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Zachary file?
Bank of Zachary files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Zachary call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Zachary has Federal Reserve RSSD ID 860334 and FDIC certificate number 306. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Zachary file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Zachary financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 306) · FFIEC NIC profile (RSSD 860334)