Zapata National Bank
Zapata, TX
IDRSSD: 218261
Total Assets
$85.84M
Latest filing
Total Deposits
$72.78M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114923756ZAPATA, TX
Key People
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Locations
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Main Office
Zapata National Bank
703 Hidalgo Blvd
Zapata, TX 78076
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
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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, 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 | 01/30/2026 |
| CERT | 18454 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $85.84M |
| Total Deposits | $72.78M |
| Total Liabilities | $73.18M |
| Total Equity Capital | $12.66M |
| Net Income | $522.00k |
| Net Loans and Leases | $36.81M |
| Assets Per Employee ($Millions) | $4.52M |
| Bank Premises and Fixed Assets | $817.00k |
| Cash and Balances due from Depository Institutions | $20.35M |
| Deposits Held in Domestic Offices | $72.78M |
Key Performance Ratios
| Return on Assets (ROA) | 2.47% |
| Return on Equity (ROE) | 16.49% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 55% |
| 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 | 14.749% |
| Earning Assets to total Assets | 93.51% |
Income and Expense
| Total Interest Income | $1.09M |
| Total Noninterest Income | $359.00k |
| Total Interest Expense | $292.00k |
| Total Noninterest Expense | $638.00k |
| Net Interest Income | $801.00k |
| Pre-tax Net Operating Income | $522.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $984.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $403.00k |
| Total Liabilities and Capital | $85.84M |
Securities
| Securities | $26.16M |
| Available-for-sale debt securities | $26.16M |
| 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 Zapata National Bank?
$85.84M as of the latest filing.
How much are Zapata National Bank's total deposits?
$72.78M in total deposits.
Where is Zapata National Bank located?
Zapata, TX.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
1.
When was it established?
11/16/1961.
What is the Return on Assets (ROA)?
2.47%.
How much are total loans and leases?
$36.81M (latest filing).
What is the total interest income (latest filing)?
$1.09M.