Call reports 2026
BANK OF ZACHARY — 2026
What BANK OF ZACHARY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 422,161,000 | 415,985,000 |
| Total loans | 309,400,000 | 307,945,000 |
| Allowance for loan losses | 2,758,000 | 2,728,000 |
| Securities available for sale | 84,939,000 | 82,927,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 372,032,000 | 359,683,000 |
| Interest-bearing deposits | 260,776,000 | 253,530,000 |
| Noninterest-bearing deposits | 111,256,000 | 106,153,000 |
| Equity capital | 38,644,000 | 39,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 5,738,000 | 11,547,000 |
| Interest expense | 1,419,000 | 2,811,000 |
| Net interest income | 4,319,000 | 8,736,000 |
| Noninterest income | 275,000 | 567,000 |
| Noninterest expense | 3,355,000 | 6,727,000 |
| Provision for loan losses | 60,000 | 140,000 |
| Pretax income | 1,226,000 | 2,483,000 |
| Income tax | 215,000 | 437,000 |
| Net income | 1,011,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 51,244,000 | 51,419,000 |
| Total capital | 54,031,000 | 54,176,000 |
| Risk-weighted assets | 279,921,000 | 279,437,000 |