BANK OF ZACHARY
ZACHARY, LOUISIANA · FDIC Cert #306
Capital & Safety Analysis
According to FDIC financial data, BANK OF ZACHARY holds a Tier 1 capital ratio of 21.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning BANK OF ZACHARY has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
BANK OF ZACHARY shows strong financial health indicators. With $400M in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BANK OF ZACHARY has a Bank Health Score of A (92/100). It holds a Tier 1 capital ratio of 21.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BANK OF ZACHARY holds $400M in total assets and $364M in total deposits. It is located in ZACHARY, LOUISIANA (FDIC Certificate #306).
BANK OF ZACHARY has a Tier 1 capital ratio of 21.26%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.26%, and the return on assets is 0.37%.
Yes. BANK OF ZACHARY is FDIC-insured (Certificate #306). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.