ZACHARY BANCSHARES INC is the bank holding company. BANK OF ZACHARY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

ZACHARY BANCSHARES INC

Legal name: ZACHARY BANCSHARES, INC.

1 active bank · $422M combined assets

RSSD ID: 1086056 (FFIEC NIC)

Combined Assets

$422M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBANK OF ZACHARYZACHARY, LASatisfactory$422MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$422M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$372M

Net Income

$1M

ROA (avg)

0.97%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

157

Origination Rate

73.89%

Denial Rate

7.64%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
BANK OF ZACHARY	ZACHARY, LA	FDIC	$422M	100.0%	Satisfactory	Aug 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.