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Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
92nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for Zapata National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Zapata National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.0% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (92nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $51K in Q2 2026, 47% below the same quarter a year earlier ($97K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Zapata National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $51K | −$9K | −15.0% |
| Q1 2026 | $60K | −$9K | −13.0% |
| Q4 2025 | $69K | −$22K | −24.2% |
| Q3 2025 | $91K | −$6K | −6.2% |
| Q2 2025 | $97K | +$6K | +6.6% |
| Q1 2025 | $91K | +$5K | +5.8% |
| Q4 2024 | $86K | +$11K | +14.7% |
| Q3 2024 | $75K | +$20K | +36.4% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Zapata National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Zapata National Bank by share.
Where Zapata National Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $84.7M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 1 | $84.7M |
Largest competitors nearby
Local market: Zapata county, TX, where it holds the most deposits.
| 2 in its local market | Deposit share |
|---|---|
| International Bank of Commerce | 70.7% |
| Falcon International Bank | 4.3% |
This bank holds 25% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
3 past actions
Past
OCC, penalty $5K
OCC. Ended August 28, 1995
OCC. Ended January 27, 1992
Source: public enforcement action lists from the OCC, read November 8, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows