Bank call report · Zapata, TX
Zapata National Bank Call Report
Filed for the quarter ended (Q2 2026) on the FFIEC 051. Source: FFIEC Central Data Repository.
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Zapata National Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 196 reported line items, schedule by schedule (485 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 | 218261 |
| FDIC certificate number | 18454 |
| Total assets | $92.6M |
Official Q2 2026 call report PDF (FFIEC) →
Zapata National Bank 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 (21 items)
About Schedule RC · Zapata National Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets | RCON2170 | $92.6M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $92.6M |
| Total liabilities and minority interest | RCON2948 | $85.4M |
| Total deposits | RCON2200 | $84.7M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $51.7M |
| Loans and leases, net of unearned income - totals | RCONB528 | $36.2M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $35.8M |
| Deposits, noninterest-bearing | RCON6631 | $33.0M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $26.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $15.3M |
| Interest-bearing balances | RCON0071 | $13.8M |
| Total equity capital | RCON3210 | $7.2M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $7.2M |
| Undivided profits and capital reserves | RCON3632 | $6.2M |
| Surplus | RCON3839 | $897K |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $775K |
| Other liabilities, total | RCON2930 | $685K |
| Allowance for loan and lease losses | RCON3123 | $429K |
| Other assets | RCON2160 | $391K |
| Common stock | RCON3230 | $145K |
| Accumulated other comprehensive income | RCONB530 | -$15K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Zapata National Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $2.1M |
| Net interest income | RIAD4074 | $1.5M |
| Interest and fee income on loans, total | RIAD4010 | $1.3M |
| Total noninterest expense | RIAD4093 | $1.1M |
| Total interest expense | RIAD4073 | $568K |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $521K |
| Salaries and employee benefits | RIAD4135 | $511K |
| Realized gains (losses) on available-for-sale debt securities | RIAD3196 | -$453K |
| Other noninterest expense | RIAD4092 | $426K |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $400K |
| Interest income on balances due from depository institutions | RIAD4115 | $363K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $342K |
| Total noninterest income | RIAD4079 | $228K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $219K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $211K |
| Expenses of premises and fixed assets | RIAD4217 | $200K |
| Interest and dividend income on securities, U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RIADB488 | $169K |
| 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 | $149K |
| Other noninterest income | RIADB497 | $128K |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $126K |
| 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 | $126K |
| Income (loss) before discontinued operations | RIAD4300 | $126K |
| Net income (loss) | RIAD4340 | $126K |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $126K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $121K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $111K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $82K |
| Interest on other securities | RIAD4060 | $82K |
| Other interest income | RIAD4518 | $26K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $14K |
| Net gains (losses) on other real estate owned | RIAD5415 | -$13K |
| Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. | RIAD4313 | $10K |
| Savings deposits (including mmdas) | RIAD0093 | $5K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $2K |
| Noninterest income, Income from insurance activities | RIADHT74 | $2K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 19 |
Schedule RC-B: Securities (8 items)
About Schedule RC-B · Zapata National Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total amortized cost of available-for-sale securities | RCON1772 | $15.3M |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $15.3M |
| 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 | $15.3M |
| Amortized cost of available-for-sale U.S. treasury securities | RCON1286 | $15.0M |
| Fair value of available-for-sale U.S. treasury securities | RCON1287 | $15.0M |
| Pledged securities | RCON0416 | $14.0M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $376K |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $376K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · Zapata National Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $36.2M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $14.1M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $9.9M |
| 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 three months through 12 months | RCONA571 | $9.0M |
| 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 | $8.7M |
| Real estate loans secured by farmland | RCON1420 | $5.1M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $5.0M |
| 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 | $4.9M |
| Commercial and industrial loans | RCON1766 | $4.3M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $3.9M |
| 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 one year through three years | RCONA572 | $3.6M |
| 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 | $3.1M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $2.5M |
| 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 | $2.4M |
| 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 | $2.3M |
| 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 | $1.3M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $1.1M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $685K |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $614K |
| Obligations (other than securities and leases) of states and political subdivisions in the U.S. | RCON2107 | $572K |
| 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 | $524K |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $499K |
| 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 | $443K |
| Loans secured by 1-4 family residential construction | RCONF158 | $247K |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $81K |
| Other loans | RCONJ464 | $37K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 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 | $2.2M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $2.0M |
| 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 | $1.4M |
| 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 | $1.3M |
| 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 | $978K |
| 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 | $954K |
| 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 | $732K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $462K |
| 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 | $217K |
| 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 | $81K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 68 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 10 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 10 |
| 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 | 8 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 7 |
| 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 | 6 |
| 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 | 5 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 5 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 4 |
| 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 | 4 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · Zapata National Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $45.2M |
| Total transaction accounts | RCON2215 | $39.6M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $36.6M |
| Total demand deposits (see note below) | RCON2210 | $33.0M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $25.9M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $23.0M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $16.7M |
| 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 | $15.2M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $13.2M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $13.2M |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $10.2M |
| 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 three months through 12 months | RCONHK13 | $9.2M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $8.5M |
| 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 | $7.9M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $7.6M |
| Total time deposits of less than $100,000 | RCON6648 | $6.3M |
| 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 | $3.9M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $3.4M |
| Money market deposit accounts (mmda's) | RCON6810 | $1.4M |
| All time and savings deposits held in IRA and keogh plan accounts | RCON6835 | $624K |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $270K |
Schedule RC-F: Other Assets (3 items)
Schedule RC-G: Other Liabilities (2 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Zapata National Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $83.3M |
| Quarterly average of total loans | RCON3360 | $36.2M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $23.1M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $22.6M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $14.1M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $13.1M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $11.1M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $9.2M |
| U.S. treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) | RCONB558 | $8.4M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $6.6M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $5.5M |
| Mortgage-backed securities | RCONB559 | $5.4M |
| All other securities | RCONB560 | $5.1M |
| Quarterly average of commercial and industrial loans | RCON3387 | $4.8M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Zapata National Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Financial standby letters of credit and foreign office guarantees | RCON3819 | $1.1M |
| Other unused commitments, all other unused commitments | RCONJ459 | $430K |
| 1-4 family residential construction loan commitments | RCONF164 | $105K |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $9K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Zapata National Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests | RCON6164 | $523K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)
About Schedule RC-N · Zapata National Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans secured by real estate (in domestic offices), secured by farmland - past due 30 through 89 days and still accruing | RCON3493 | $1.2M |
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $1.2M |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Zapata National Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $85.1M |
| Average consolidated total assets for the calendar quarter | RCONK652 | $83.3M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $47.9M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $36.6M |
| Average tangible equity for the calendar quarter | RCONK654 | $13.2M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $625K |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 3,511 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 40 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 17 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Zapata National Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total assets | RCOA2170 | $92.6M |
| Average total assets (net of deductions) | RCOAA224 | $83.3M |
| Average total consolidated assets | RCOAKW03 | $83.3M |
| Common equity tier 1 capital | RCOAP859 | $7.2M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $7.2M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $7.2M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $7.2M |
| Retained Earnings | RCOAKW00 | $6.2M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $1.6M |
| Off-balance sheet exposures, Other off-balance sheet exposures | RCOAKX81 | $1.1M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $1.0M |
| Off-balance sheet exposures, Unused portion of conditionally cancellable commitments | RCOAKX79 | $544K |
| Accumulated other comprehensive income | RCOAB530 | -$15K |
| 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 | -$15K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0865 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0175 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance end of previous calendar year as restated | RIADB508 | $12.7M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $12.7M |
| Total equity capital | RIAD3210 | $7.2M |
| Cash dividends declared on common stock | RIAD4460 | $5.7M |
| Other comprehensive income | RIADB511 | $149K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Zapata National Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Zapata National Bank 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 | $430K |
| Allowance for loan and lease losses | RIAD3123 | $429K |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $1K |
Zapata National Bank 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)
Zapata National Bank financial reports and ratios →
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Regulator records: FDIC BankFind (cert 18454) · FFIEC NIC profile (RSSD 218261)