# BANK OF ZACHARY
ZACHARY, LA · FDIC certificate 306 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $416.0M | |
| Deposits | $359.7M | |
| Loans and leases | $307.9M | |
| Total equity | $39.4M | |
| Loans / deposits | 84.86% (p58 of band) | 82.04% |
| Liquid assets / assets | 22.99% (p44 of band) | |
| Uninsured deposits / deposits | 27.83% (p58 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.69% (p52 of band) | |
| FHLB advances / assets | 3.69% | |
| Tier 1 leverage | 11.92% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -38.51% (p8 of band) | -8.10% |
| AOCI / equity | -0.11% (p65 of band) | |
| ROA (annualized) | 0.98% (p31 of band) | 1.28% |
| Net interest margin | 4.39% (p77 of band) | 3.91% |
| Efficiency ratio | 72.31% (p78 of band) | |
| Noncurrent loans | 0.07% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p86 of band) | |
| Reserve coverage of noncurrent | 1274.77% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 177.12% (p98 of band) | |
| Auto loans | $1.7M (0.56% of loans; DQ 1.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 | reserve under noncurrent | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | construction >100% equity | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking |  |
| 2018-03 | 1 |  | deposits shrinking, assets shrinking |
| 2018-06 | 3 | capital falling, charge-offs p90 |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 | deposits shrinking | charge-offs p90 |
| 2019-09 | 2 | uninsured deposits leaving | deposits shrinking |
| 2019-12 | 3 | deposits shrinking |  |
| 2020-03 | 2 | reserve under noncurrent | uninsured deposits leaving, deposits shrinking |
| 2020-06 | 2 | capital falling | reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 1 |  | capital falling, expense ratio p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | expense ratio p90 |  |
| 2024-06 | 2 |  | expense ratio p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-07-16 [See which local bank paid $3.4 million for a building in St. George - The Advocate](https://news.google.com/rss/articles/CBMiygFBVV95cUxQMjFaeFRZdjNJS3k0U0hCRThmX0F0Tnl4TVlvNWhobU9MckY5OXZpV19YWTB0VXJJWXpRc1JwaWVFWEdwM0ZRNmw4RkNlNnBmeUpIZ2hXUnFPTDBSZld5NmI0SnYyT0loa05kM2tMd3lBa0oyQldzVzFDSXh4M3Z2ZWUwWmkwTDdpaFpHcFRqQXoxb0dyYlBtaGtzSnM1Ymd5M3VJeFV4TnRzLTc2aTI4LU9oVHR6OWlWUnkyQ3dZMmtQSXoyU2N3Z0NB?oc=5) · The Advocate
- 2026-01-26 [Bank of Zachary President & CEO Mark S. Marionneaux Elected to Federal Home Loan Bank of Dallas Board - Livingston Parish News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPNThSU3djd1RvRzRST0IwNXJEMDFnbmtlQ1hKS1lWcHlUal9KMThZQzdDZm1OXy1sM2RRQW52cmMtdFNEc1Rack9xSHNYaFRUVXNCNXo4c0gxUW9EcGU4NDZfc3Vwb0V3WXVGQmdZWWVfNFNfcV9zQ0FJeGFiVVhHRlptQ1ppUHQ5S3JPS0xKc293MTFTNHRVbjRKaXRzOG51c0huVEhTb3c2d0VIaFRkY0s3M2I5RkYtQ1ROenpOZ09vMTFFU3ZxdjdWTGd1UUpIeVc1eUlvekNRZDMz?oc=5) · Livingston Parish News
- 2024-04-03 [Bank of Zachary: Number one asset will always be its people and its ties to the community - Baton Rouge Business Report](https://news.google.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?oc=5) · Baton Rouge Business Report
- 2026-03-24 [Around Zachary for March 25, 2026 - The Advocate](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQX18wV1ZhN2t2TUw1S0ZMdmpzWjJyTnpQR1UtdktkcHF3NWk2eW81TnNvN2ZyOFU2blpFaDRrOVJ6RVZHMl9xMnQyakFPY1BLVVJVVm0xXzJTRG5oRWlVMFZVT2lTYlk0WHJvX2h4Tk4xcGt6anEzZUNvRE9iSVhvUERycFJLZjY4cTA3NG9RYUNLX01PWV9yWUtlN21OV1RpLXlETWM1QTF2OEIzYVFqb1RiNGs5U3E2YUZFakMxOU1DRUVQQUdoRDVHUkpxZFpFVTlPZnpiUVZKLWwzdTFISg?oc=5) · The Advocate
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2024-02-18 [Louisiana Bankers council name officers - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2024-03-25 [Bank of Zachary hosting 'Community Shred Day' - Livingston Parish News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcFE1S0c4ZFdiVXBEcjVXX3JIQVh2OXNRZ0Y4S1FqNGJubWZOMXkwZTJBaHR3SjdYQnZnOE40b051QWl6TjN6bjFUWndpQUdiZDlfNW4wYUVHQmxLTF8zbThtUjhzcy1FTTluZXJrZDBVQkNPVlkxS1VZLWx6Qks1U1Q2U0E1al9DV3g1VEVCOHRGWnhZWVB6T2hR?oc=5) · Livingston Parish News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=306 (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/50.json (key "306", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide