Zapata National Bank

703 Hidalgo Blvd
Zapata, TX 78076

Notable Rates APY Vs.Others
Savings 0.10% 1.90% →
1-Year CD 1.30% 1.90% →
2-Year CD N.A. 1.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Zapata National Bank is an FDIC insured institution located in Zapata, TX. It was founded in 1961 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18454
Date Established 1961
Assets $0.09 billion
Loans $0.03 billion
Deposits $0.07 billion
Capital $0.01 billion

For a more detailed analysis of Zapata National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 - Learn MoreShow Less
3 Mo CD
0.25% $2,500 $99,999 Learn MoreShow Less
3 Mo CD
0.60% $100,000 - Learn MoreShow Less
6 Mo CD
0.35% $2,500 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $100,000 - Learn MoreShow Less

Fixed IRA
1.00% $2,500 - Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Zapata National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Zapata National Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Zapata National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Zapata National Bank Locations

Financial Details

Zapata National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Zapata National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Zapata National Bank U.S. Bank Average
11.41% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Zapata National Bank had $1,301,000 in non-current loans and $62,000 in owned real estate. To cover these potential losses it had $11,522,000 in equity and $425,000 in loans loss reserves. That gives it a Texas Ratio of 11.41%.

Return on Equity
Zapata National Bank U.S. Bank Average
8.75% 9.41%

Zapata National Bank has a Return on Equity of 8.75% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Zapata National Bank U.S. Bank Average
13.3% 12.82%

Zapata National Bank has a Capitalization of 13.3% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Zapata National Bank Balance Sheet Analysis

As of December 31, 2019, Zapata National Bank had assets of $86,614,000, loans of $32,549,000, and deposits of $74,897,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
Total deposits $0.07 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 74.58%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Zapata National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Texas, Zapata National Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.12
Credit Card Loans 0.00
Consumer Auto Loans 0.73
Small Business Loans 9.70
Construction and Development Loans 3.13
Commercial Real Estate 13.70
Commercial and Industrial Loans 15.05
Farm Loans 0.61

Frequently Asked Questions About Zapata National Bank

Branches and Savings

Is Zapata National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18454.

Why does Zapata National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Zapata National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Zapata National Bank a commercial bank?


Where are Zapata National Bank locations?

See branch locations nearby.

Is Zapata National Bank open on Saturdays?

Is Zapata National Bank open on Sundays?

What time does Zapata National Bank open?

What time does Zapata National Bank close?

Are Zapata National Bank ATMs Open 24/7?

Do Zapata National Bank ATMs accept cash deposits?

Can Zapata National Bank customers use other ATMs?

Do Zapata National Bank branches have notaries?

Will Zapata National Bank notarize my document?

What address for Zapata National Bank should I put for incoming ACH transfers?

Will the Zapata National Bank branch print checks?

Do Zapata National Bank checks expire?

Does Zapata National Bank require US citizenship to open account?

Can Zapata National Bank close my account?

Does Zapata National Bank Report to credit bureaus?

Does Zapata National Bank Use Equifax?

What is Zapata National Bank's ACH Routing Number?

What is Zapata National Bank's SWIFT code?


Does Zapata National Bank offer mortgages?

Compare mortgage rates here.

Does Zapata National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Zapata National Bank offer personal loans?

Compare personal loan rates here.

Does Zapata National Bank offer student loans?

Will Zapata National Bank cash a check?

Will Zapata National Bank redeem a savings bond?

Does Zapata National Bank cash savings bonds?

Will Zapata National Bank cash money orders?

Can Zapata National Bank issue a money order?

Does Zapata National Bank do currency exchange?

Background on The Bank

Who owns Zapata National Bank?

How long has Zapata National Bank been around?

Can Zapata National Bank transfer to other banks?

Does Zapata National Bank have quick pay?

Does Zapata National Bank accept rolled coins?

Will Zapata National Bank accept loose change?

Where is Zapata National Bank headquarters?

Customer Reviews for Zapata National Bank

There are currently no comments for Zapata National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →