Bank of Zachary
Zachary, LA
IDRSSD: 860334
Total Assets
$422.16M
Latest filing
Total Deposits
$372.03M
Latest filing
Net Interest Margin
4.33%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
065402520ZACHARY, LA
Key People
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Locations
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Main Office
Bank of Zachary
4743 Main St
Zachary, LA 70791
Full Service - Brick and Mortar
Updated 04/10/2026Established 01/01/1904FDIC Certificate 245
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Zachary (Main) | 4743 Main St | Zachary, LA |
| PLAZA BRANCH | 2210 Highway 64 | Zachary, LA |
| WATSON BRANCH | 32340 La Highway 16 | Denham Springs, LA |
| ST. FRANCISVILLE BRANCH | 5451 Live Oak Ctr | Saint Francisville, LA |
| CENTRAL BRANCH | 14395 Grand Settlement Blvd | Baton Rouge, LA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 70791 |
| State and County Number | 22033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Baton Rouge, LA |
Operational Info
| Number of Employees | 66 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofzachary.com |
| Data Updated | 04/10/2026 |
| CERT | 306 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $422.16M |
| Total Deposits | $372.03M |
| Total Liabilities | $383.52M |
| Total Equity Capital | $38.64M |
| Net Income | $1.01M |
| Net Loans and Leases | $306.64M |
| Assets Per Employee ($Millions) | $6.6M |
| Bank Premises and Fixed Assets | $7.27M |
| Cash and Balances due from Depository Institutions | $9.89M |
| Deposits Held in Domestic Offices | $372.03M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 10.41% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 73.03% |
| Tier 1 Risk-Based Capital Ratio | 18.307% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.154% |
| Earning Assets to total Assets | 95.79% |
Income and Expense
| Total Interest Income | $5.74M |
| Total Noninterest Income | $275.00k |
| Total Interest Expense | $1.42M |
| Total Noninterest Expense | $3.35M |
| Net Interest Income | $4.32M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $88.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.47M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.49M |
| Total Liabilities and Capital | $422.16M |
Securities
| Securities | $84.94M |
| Available-for-sale debt securities | $84.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Zachary?
$422.16M as of the latest filing.
How much are Bank of Zachary's total deposits?
$372.03M in total deposits.
Where is Bank of Zachary located?
Zachary, LA.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$306.64M (latest filing).
What is the total interest income (latest filing)?
$5.74M.