The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Louisiana

Yes. Bank of Zachary is an FDIC-insured institution (FDIC certificate #306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($100.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.39% (benchmark: 10%).

Check how much of your own balance is covered

Bank of Zachary lists 5 offices in 4 cities. Most locations:

• Zachary, LA (2)
• Baton Rouge, LA (1)
• Denham Springs, LA (1)
• Saint Francisville, LA (1)

All branch addresses and map

In 2025, Bank of Zachary reported 124 home-loan applications under HMDA (LEI 254900J71IJLMJZJV608): 98 originated ($23,690,000 total), 13 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank of Zachary

Type

State-chartered bank

FDIC certificate #

306

RSSD ID

860334

Primary regulator

FDIC

Holding company

Zachary Bancshares Inc

Established

January 1, 1904

Headquarters

4743 Main St, Zachary, LA 70791

Website

www.bankofzachary.com

Employees

66