Bank of Zachary: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 180.39 percentage points in Q2 2026, from 275.80% to 456.19%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bank of Zachary is 67th of 103 on return on assets, 0.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Zachary sits 0.29 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.40% |
| Tier 1 risk-based capital ratio | 18.40% |
| Total risk-based capital ratio | 19.39% |
| Tier 1 leverage ratio | 11.92% |
| Equity capital to assets | 9.48% |
| Tangible equity to tangible assets | 9.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 1.42% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 456.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 10.61% |
| Net interest margin | 4.29% |
| Efficiency ratio | 70.18% |
| Yield on earning assets | 5.61% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.62% |
| Core deposits to total deposits | 88.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.47% |
| Securities to assets | 19.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.80% | 20.80% | 21.95% | 11.04% | 0.26% |
| Q4 2023 | 21.37% | 21.37% | 22.60% | 11.50% | 1.72% |
| Q1 2024 | 21.37% | 21.37% | 22.61% | 11.61% | 0.26% |
| Q2 2024 | 21.26% | 21.26% | 22.47% | 11.56% | 0.38% |
| Q3 2024 | 21.04% | 21.04% | 22.22% | 11.79% | 0.47% |
| Q4 2024 | 20.38% | 20.38% | 21.49% | 11.92% | 0.78% |
| Q1 2025 | 19.99% | 19.99% | 21.07% | 11.82% | 0.64% |
| Q2 2025 | 20.28% | 20.28% | 21.34% | 12.12% | 0.95% |
| Q3 2025 | 19.26% | 19.26% | 20.34% | 12.11% | 0.92% |
| Q4 2025 | 18.90% | 18.90% | 19.96% | 11.97% | 0.87% |
| Q1 2026 | 18.31% | 18.31% | 19.30% | 11.80% | 0.93% |
| Q2 2026 | 18.40% | 18.40% | 19.39% | 11.92% | 0.96% |
Bank of Zachary vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Zachary, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)