B
Zapata National Bank
ZapataTX
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Zapata National Bank
Zapata, TX
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.70
Profitability Index 8.30
Stability Index 7.00
Company Info Zapata National Bank
Zapata, TX
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FDIC Number 18454
Phone Number (956) 765-4302
Website www.zapatanationalbank.com
Asset Quality Zapata National Bank
Zapata, TX
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1-Year Asset Growth 0.24%
5-Year Asset Growth -0.96%
5-Year Charge-Offs to Average Loans -0.24%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 1.15%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Zapata National Bank
Zapata, TX
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Total Assets 85.84M
Total Deposits 72.78M
Capital and Reserves Zapata National Bank
Zapata, TX
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Capital 12.66M
Leverage Ratio 15.04
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio --
Liquidity Zapata National Bank
Zapata, TX
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Hot Money Ratio 39.39%
Liquidity Ratio 33.02%
Profitability Zapata National Bank
Zapata, TX
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5-Year Return on Average Assets 1.54%
Net Income 1.68M
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.97%
Overhead Efficiency Ratio 56.75%
Return on Assets 1.97%
Return on Equity 13.67%