Bank Of Zachary (FDIC #306): Bank Stress & Real-Estate Credit Exposure
Bank Of Zachary (FDIC Cert #306): bank stress 73/100, elevated, STABLE over 7 days; parent ZACHARY BANCSHARES INC.
Bank Of Zachary (#306) lends in 3 counties across 1 state; Bank Of Zachary (#306) reaches 50 ZIP codes: Louisiana 3 counties, 50 ZIPs.
Bank Of Zachary (#306) largest markets: East Baton Rouge County, LA (84 branches, 28 ZIPs) (#306), Livingston County, LA (18 branches, 18 ZIPs) (#306), West Feliciana County, LA (4 branches, 4 ZIPs) (#306).
Bank Of Zachary (#306) reports $416.0 million in total assets; Bank Of Zachary (#306) equity $39.4 million (9.5% of Bank Of Zachary (#306) assets); Bank Of Zachary (#306) domestic deposits $359.7 million; Bank Of Zachary (#306) net income $2.0 million; Bank Of Zachary (#306) return on assets 0.98%; Bank Of Zachary (#306) return on equity 10.48%; Bank Of Zachary (#306) net interest income $8.7 million; Bank Of Zachary (#306) call report June 30, 2026.
Bank Of Zachary (#306) noncurrent real-estate loans 0.07% of its book; Bank Of Zachary (#306) residential 0.27%; Bank Of Zachary (#306) net charge-offs on real estate 0.08%; Bank Of Zachary (#306) residential charge-offs 0.17%.
Bank Of Zachary (#306) net interest margin 4.39% against an eight-quarter Bank Of Zachary (#306) average of 3.87% (Bank Of Zachary (#306) compression -0.52 points); Bank Of Zachary (#306) real-estate loans 7.4% of equity; Bank Of Zachary (#306) non-residential real estate 16.7% of equity; Bank Of Zachary (#306) rate-exposure score 40/100, Bank Of Zachary (#306) fixed-rate trap 40/100; Bank Of Zachary (#306) risk type credit driven; Bank Of Zachary (#306) rate regime rates elevated, Bank Of Zachary (#306) snapshot October 19, 2026.
Bank Of Zachary (#306) stress score moved from 72.6 on June 22, 2026 to 72.7 on October 19, 2026; Bank Of Zachary (#306) ranged 72.6 to 72.7 over 116 snapshots.
Bank Of Zachary (#306) alerts: 3 counties; top Bank Of Zachary (#306) alert scores: Denham Springs County, LA 23 (low); Saint Francisville County, LA 23 (low); Zachary County, LA 23 (low).