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Bank Of Zachary
Zachary, LA · FDIC Certificate #306 · Chartered 01/0
Total assets
$415.99M
Total deposits
$359.68M
Total equity
$39.42M
Net loans
$305.22M
Branches (offices)
5
Net income (YTD)
$2.05M
Rank: #2,016 of 4,213 U.S. banks by assets · #48 of 103 in Louisiana. Assets changed 4.4% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 10.48% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 9.48% |
| Tier 1 leverage ratio | 11.92% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 84.9% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $282.85M | 92.7% | |
| Commercial & industrial | $11.10M | 3.6% | |
| Consumer / individual | $4.44M | 1.5% | |
| Construction & development | $69.83M | 22.9% | |
| Agricultural | $2.18M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $377.04M | $362.16M | $1.42M | $14.12M |
| Jun 2023 | $392.51M | $351.88M | $792.00K | $29.37M |
| Jun 2024 | $400.05M | $363.85M | $667.00K | $33.79M |
| Jun 2025 | $398.30M | $355.71M | $1.67M | $35.85M |
| Jun 2026 | $415.99M | $359.68M | $2.05M | $39.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $359.68M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $359.68M.
Similar-sized banks
Dakota Western Bank ($416.15M) · First Lockhart Bank ($415.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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