# ZAPATA NATIONAL BANK ZAPATA, TX · FDIC certificate 18454 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $92.6M | | | Deposits | $84.7M | | | Loans and leases | $36.2M | | | Total equity | $7.2M | | | Loans / deposits | 42.26% (p13 of band) | 73.59% | | Liquid assets / assets | 60.08% (p87 of band) | | | Uninsured deposits / deposits | 31.39% (p84 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 8.65% (p8 of band) | 11.76% | | Unrealized securities loss / equity | -0.21% (p87 of band) | -6.57% | | AOCI / equity | 2.07% (p99 of band) | | | ROA (annualized) | 0.29% (p12 of band) | 1.17% | | Net interest margin | 4.00% (p54 of band) | 3.93% | | Efficiency ratio | 66.26% (p51 of band) | | | Noncurrent loans | 0.00% (p12 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p56 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 71% | | | Construction % of loans | 11.98% (p41 of band) | | | Auto loans | $499,000 (1.38% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 18.9% | | | Employees | 19 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 0 | | | | 2012-03 | 2 | deposits shrinking, assets shrinking | | | 2012-06 | 0 | | deposits shrinking, assets shrinking | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 0 | | | | 2013-06 | 1 | deposits shrinking | | | 2013-09 | 1 | | | | 2013-12 | 1 | | | | 2014-03 | 1 | | | | 2014-06 | 0 | | deposits shrinking | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 1 | deposits shrinking | | | 2015-06 | 3 | assets shrinking, uninsured deposits leaving | | | 2015-09 | 3 | | | | 2015-12 | 2 | | uninsured deposits leaving | | 2016-03 | 2 | capital falling, losing money | deposits shrinking, assets shrinking | | 2016-06 | 2 | charge-offs p90 | capital falling | | 2016-09 | 2 | | | | 2016-12 | 1 | | losing money | | 2017-03 | 0 | | charge-offs p90 | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 2 | noncurrent p90, reserve under noncurrent | | | 2018-03 | 2 | | | | 2018-06 | 2 | | | | 2018-09 | 2 | | | | 2018-12 | 2 | | | | 2019-03 | 2 | | | | 2019-06 | 3 | deposits shrinking | | | 2019-09 | 2 | | deposits shrinking | | 2019-12 | 2 | | | | 2020-03 | 2 | | | | 2020-06 | 0 | | noncurrent p90, reserve under noncurrent | | 2020-09 | 0 | | | | 2020-12 | 0 | | | | 2021-03 | 0 | | | | 2021-06 | 0 | | | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 0 | | | | 2022-06 | 0 | | | | 2022-09 | 2 | AOCI drag >20% of equity, assets shrinking | | | 2022-12 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity | | 2023-03 | 1 | | assets shrinking, deposits shrinking | | 2023-06 | 0 | | uninsured deposits leaving | | 2023-09 | 0 | | | | 2023-12 | 2 | noncurrent p90, reserve under noncurrent | | | 2024-03 | 0 | | noncurrent p90, reserve under noncurrent | | 2024-06 | 0 | | | | 2024-09 | 2 | noncurrent p90, reserve under noncurrent | | | 2024-12 | 0 | | noncurrent p90, reserve under noncurrent | | 2025-03 | 0 | | | | 2025-06 | 0 | | | | 2025-09 | 1 | uninsured deposits leaving | | | 2025-12 | 0 | | uninsured deposits leaving | | 2026-03 | 2 | deposits shrinking, uninsured deposits leaving | | | 2026-06 | 0 | | deposits shrinking, uninsured deposits leaving | ## In the news (Google News, unfiltered, newest first; check the city) - 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia - 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com - 2025-02-27 [Zapata County Fair royalty visits Laredo, shares 2025 event highlights - lmtonline.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZVJBcEp3cG9TLWxuR2NkSF9ILThDM09mTDJ5VzQ4YzJBZ3RvRjBMQi05MzZ4b1g5d3ktU1FSOWZDTGtBUTlnalh1SGxYWFVIamI5VlhJNmZqbjFjWEM3T3o4Y1RqMzJBYllGZldPR2c2MkNtRXdTUDZjOXF1VDVBY3N3TldwaW1PUjZ1WEpoczFvMTlCdlkwOURkdzNtSnM?oc=5) · lmtonline.com - 2019-09-07 [Juan Sanchez Obituary Sep 7, 2019 - Joe Jackson Funeral Chapels & Cremation Services](https://news.google.com/rss/articles/CBMickFVX3lxTFBHdWtaeVk0VXp0c1U2U0hUUG9sVXQ1RmdBaHZwZXBvWUlCM2wwd2kwTUNkUFByLXk3bnh3bkltaGlsa0FWZ0VNVk42OTJZaWU3cEtjLXl2c2I4eDM3MEZmakxvbmVENElxdTA3YXRDb0s1QQ?oc=5) · Joe Jackson Funeral Chapels & Cremation Services ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=18454 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "18454", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide