How Big Is Zapata National Bank?
Zapata National Bank holds $85M in total assets and $73M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,456th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Zapata National Bank's latest FDIC call report (cert #18454); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is Zapata National Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Zapata National Bank Size at a Glance
- Total assets
- $85M
- Total deposits
- $73M
- Domestic deposits
- $73M
- Size class
- small bank
- Rank by assets
- #3,456 of 3,960
- Headquarters
- Zapata, Texas
Source: FDIC Call Report data (cert #18454). Figures reflect the latest reported quarter.
With $85M in total assets, Zapata National Bank is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,456th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $73M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.65% | 97/100 |
| Nonperforming Loan Ratio | 0.75% | 85/100 |
| Liquidity Ratio | 52.57% | 100/100 |
| Return on Assets | 1.78% | 91/100 |
| Total Assets | $0.1B | |
How does Zapata National Bank compare?
With a Bank Health Score of 94/100, Zapata National Bank sits 14.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Zapata National Bank ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 14.65% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.75% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Zapata National Bank's Bank Health Score fell by 3.0 points to 94/100. Tier 1 capital was essentially flat at 14.65%. Quarter-over-quarter, the score fell by 3.0 points.
Frequently Asked Questions
Zapata National Bank holds $85M in total assets and $73M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,456th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Zapata National Bank's latest FDIC call report (cert #18454); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
Zapata National Bank ranks 3,456th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $85M in assets classify it as a small bank.
Zapata National Bank reports $85M in total assets and $73M in total deposits ($73M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Zapata National Bank earns a Bank Health Score of 94/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $85M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Zapata National Bank (FDIC certificate #18454) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Zapata National Bank
Zapata National Bank holds $85M in total assets and $73M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,456th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Zapata National Bank's latest FDIC call report (cert #18454); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.