Bank of Zachary: how it compares with its peers
Against 51 LA banks with half to twice its assets, Bank of Zachary's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $5.9M peer median). Its weakest relative measure is efficiency ratio (72.31% vs. 64.80%).
| Measure | Bank of Zachary | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.28% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 4.37% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.31% | 64.80% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $5.9M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.86% | 80.61% | Context |
What it means for lending operations
Its efficiency ratio of 72.31% is above the 64.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank in DeRidder Deridder, LA · $419M
- Winnsboro State Bank & Trust Company Winnsboro, LA · $426M
- Bank of St. Francisville Saint Francisville, LA · $399M
- Southern Heritage Bank Jonesville, LA · $398M
- City Bank & Trust Co. Natchitoches, LA · $382M
Questions about Bank of Zachary
How big is Bank of Zachary?
Bank of Zachary, established in 1904, is headquartered in Zachary, LA. It reported $416M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank of Zachary's return on assets?
0.98% annualized in Q2 2026, against a 1.28% median for 51 LA banks with half to twice its assets, ahead of 31% of them.
What is Bank of Zachary's efficiency ratio?
72.31% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is Bank of Zachary growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.