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Zapata National Bank

Zapata, TX · Cert 18454

National charter · 1 branch

Q2 2026

$92.6MAssets
$36.2MLoans
$84.7MDeposits
$7.2MEquity
Loan mix
71%RE $25.3M14%C&I $5.0M15%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $51.7M39%Noninterest $33.0MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.02%Q2 ’254.94%Q2 ’26-3%+2%

Non-interest income vs. expense

2.42%Q2 ’242.44%Q2 ’252.73%Q2 ’26-7%+29%

Executive Summary

  • Earnings: ROA of 0.23%, down 120 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.65%, down 636 bps from a year ago.
  • Funding: loans stand at 42.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-120 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+6 bps YoY

Efficiency Ratio (YTD, annualized)

66.26%+896 bps YoY

Tier 1 Leverage Ratio

8.65%-636 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.43%1.56%1.33%0.23%-120 bps
Return on Equity10.19%9.99%10.82%8.77%1.81%-838 bps
Net Interest Margin3.51%3.60%3.60%3.57%3.57%+6 bps
Efficiency Ratio57.30%57.49%56.75%59.22%66.26%+896 bps
Non-Interest Burden1.69%1.76%1.63%1.87%2.18%+49 bps
Growth
Asset Growth (YoY)-1.02%-3.54%0.24%-4.97%10.00%+1,102 bps
Loan Growth (YoY)-2.87%-2.22%-2.24%-2.91%-4.04%-118 bps
Deposit Growth (YoY)-2.31%-4.73%-1.13%-6.95%18.93%+2,124 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%0.01%0 bps
Allowance / Loans1.14%1.14%1.15%1.18%1.18%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.01%15.42%15.04%15.78%8.65%-636 bps
Total Risk-Based Capital15.01%15.42%15.04%15.78%8.65%-636 bps
Equity / Assets14.64%15.20%14.75%15.48%7.76%-688 bps
Liquidity & Funding
Loans / Deposits53.00%54.08%51.17%52.38%42.76%-1,024 bps
Liquid Assets / Assets17.35%16.99%20.15%21.56%14.95%-240 bps
CRE / Total Capitaln/a46.31%47.47%44.52%n/an/a