Zapata National Bank
Zapata, TX
IDRSSD: 218261
Total Assets
$83.35M
Latest filing
Total Deposits
$70.09M
Latest filing
Net Interest Margin
3.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Zapata National Bank
703 Hidalgo Blvd
Zapata, TX 78076
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/16/1961FDIC Certificate 12353
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Zapata National Bank (Main) | 703 Hidalgo Blvd | Zapata, TX | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/16/1961 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78076 |
| State and County Number | 48505 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Zapata, TX |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 1 |
| 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 | 11/16/1961 |
| Primary Insurance Agency | DIF |
| Website | zapatanationalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 18454 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $83.35M |
| Total Deposits | $70.09M |
| Total Liabilities | $70.68M |
| Total Equity Capital | $12.67M |
| Net Income | $382.00k |
| Net Loans and Leases | $37.48M |
| Assets Per Employee ($Millions) | $4.39M |
| Bank Premises and Fixed Assets | $1.12M |
| Cash and Balances due from Depository Institutions | $17.45M |
| Deposits Held in Domestic Offices | $70.09M |
Key Performance Ratios
| Return on Assets (ROA) | 1.82% |
| Return on Equity (ROE) | 12.22% |
| Net Interest Margin | 3.96% |
| Efficiency Ratio | 57.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.201% |
| Earning Assets to total Assets | 92.63% |
Income and Expense
| Total Interest Income | $1.08M |
| Total Noninterest Income | $137.00k |
| Total Interest Expense | $313.00k |
| Total Noninterest Expense | $525.00k |
| Net Interest Income | $770.00k |
| Pre-tax Net Operating Income | $382.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.16M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $583.00k |
| Total Liabilities and Capital | $83.35M |
Securities
| Securities | $25.57M |
| Available-for-sale debt securities | $25.57M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Zapata National Bank?
$83.35M as of the latest filing.
How much are Zapata National Bank's total deposits?
$70.09M in total deposits.
Where is Zapata National Bank located?
Zapata, TX.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
1.
When was it established?
11/16/1961.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$37.48M (latest filing).
What is the total interest income (latest filing)?
$1.08M.