Zapata National Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
On its Q2 2026 filing, Zapata National Bank reported 14 of the 19 line items on this page. It did not report total risk-based capital and risk-weighted assets. It elected the community bank leverage ratio, so it files no common equity Tier 1 ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 8.65% in Q2 2026, down 6.36 percentage points from 15.01% in Q2 2025. Across the 12 quarters shown it ranged from 8.65% (Q2 2026) to 15.78% (Q1 2026).
What the capital ratios and amounts page covers and where each line comes from.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets dropped 7.72 percentage points in Q2 2026, from 15.48% to 7.76%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 8.65% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R; Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $7.2M |
| Tier 1 capital | $7.2M |
| Total risk-based capital | — |
| Total equity capital | $7.2M |
| Risk-weighted assets | — |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.76% |
| Tangible equity to tangible assets | 7.76% |
| Equity capital to average assets | 8.63% |
| Internal capital growth rate | -185.94% |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $145K |
| Common stock surplus | $897K |
| Retained earnings | $6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15K |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q2 2026 on the FFIEC CDR.
Capital Ratios and Amounts trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Capital Ratios and Amounts by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.74% | 12.40% | 12.40% |
| Q4 2023 | 13.57% | 12.68% | 12.68% |
| Q1 2024 | 14.12% | 12.94% | 12.94% |
| Q2 2024 | 14.65% | 13.59% | 13.59% |
| Q3 2024 | 14.95% | 14.13% | 14.13% |
| Q4 2024 | 14.05% | 13.57% | 13.57% |
| Q1 2025 | 14.55% | 13.79% | 13.79% |
| Q2 2025 | 15.01% | 14.64% | 14.64% |
| Q3 2025 | 15.42% | 15.20% | 15.20% |
| Q4 2025 | 15.04% | 14.75% | 14.75% |
| Q1 2026 | 15.78% | 15.48% | 15.48% |
| Q2 2026 | 8.65% | 7.76% | 7.76% |
Zapata National Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q2 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q2 2026. How these pages are built. See the full Zapata National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18454) · FFIEC NIC profile (RSSD 218261)