Bank of Zachary: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 4.8% to -$12.0M. Within Louisiana, Bank of Zachary is 19th of 46 on CET1 ratio, 18.40% as of Q2 2026, above the middle of the field. Bank of Zachary reported 18.40% on CET1 ratio for Q2 2026, 3.33 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.40% |
| Tier 1 risk-based capital ratio | 18.40% |
| Total risk-based capital ratio | 19.39% |
| Tier 1 leverage ratio | 11.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $51.4M |
| Tier 1 capital | $51.4M |
| Total risk-based capital | $54.2M |
| Total equity capital | $39.4M |
| Risk-weighted assets | $279.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 9.14% |
| Internal capital growth rate | 1.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $720K |
| Common stock surplus | $25.6M |
| Retained earnings | $25.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.80% | 20.80% | 21.95% | 11.04% | $224.8M |
| Q4 2023 | 21.37% | 21.37% | 22.60% | 11.50% | $226.9M |
| Q1 2024 | 21.37% | 21.37% | 22.61% | 11.61% | $226.2M |
| Q2 2024 | 21.26% | 21.26% | 22.47% | 11.56% | $228.9M |
| Q3 2024 | 21.04% | 21.04% | 22.22% | 11.79% | $233.0M |
| Q4 2024 | 20.38% | 20.38% | 21.49% | 11.92% | $243.6M |
| Q1 2025 | 19.99% | 19.99% | 21.07% | 11.82% | $250.3M |
| Q2 2025 | 20.28% | 20.28% | 21.34% | 12.12% | $250.5M |
| Q3 2025 | 19.26% | 19.26% | 20.34% | 12.11% | $264.4M |
| Q4 2025 | 18.90% | 18.90% | 19.96% | 11.97% | $269.9M |
| Q1 2026 | 18.31% | 18.31% | 19.30% | 11.80% | $279.9M |
| Q2 2026 | 18.40% | 18.40% | 19.39% | 11.92% | $279.4M |
Bank of Zachary regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Zachary, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Zachary profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 306) · FFIEC NIC profile (RSSD 860334)