Zapata National Bank
Zapata, TX · Cert 18454 · Peer group: banks under $1B in assets in TX (n=208-211)
National charter · 1 branch
Q2 2026
$92.6MAssets
$36.2MLoans
$84.7MDeposits
$7.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in TX (rank 211 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.21%
Rank 197 of 211
Net Interest Margin
3.57%
Rank 127 of 211
Efficiency Ratio
66.26%
Rank 123 of 211
Equity / Assets
7.76%
Rank 193 of 211
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 42% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.87% | 1.20% | 1.65% | Beats 7% | 197 / 211 | |
| Return on Equity | 2.75% | 7.52% | 11.67% | 14.58% | Beats 9% | 193 / 211 | |
| Net Interest Margin | 3.57% | 3.28% | 3.82% | 4.31% | Beats 40% | 127 / 211 | |
| Efficiency Ratio | 66.26% | 53.01% | 64.18% | 73.65% | Beats 42% | 123 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 70% | 65 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 8.65% | 11.72% | 14.45% | 19.57% | Beats 0% | 211 / 211 | |
| Total Risk-Based Capital Ratio | 8.65% | 11.94% | 14.78% | 20.30% | Beats 0% | 211 / 211 | |
| Equity / Assets | 7.76% | 9.41% | 11.06% | 12.94% | Beats 9% | 193 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 42.76% | 45.39% | 66.56% | 82.03% | 21st pctl | 164 / 208 | |
| Loans / Assets | 39.13% | 39.13% | 56.90% | 70.46% | 25th pctl | 159 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |