Bank · FDIC insured
Bank of Zachary
A $416M bank headquartered in Zachary, LA, with 5 branches in Louisiana. Best rates: CDs 3.95% and savings 0.30% APY.
Bank of Zachary Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#18 of 32 in Baton Rouge, LA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of Zachary
Bank of Zachary is headquartered in Zachary, Louisiana, operating from its main office located at 4743 Main Street.
The bank previously occupied two earlier Main Street locations, moving into its second building in 1957 before opening its current facility in 1999.
- Headquarters
- 4743 Main St, Zachary, LA 70791
- FDIC certificate
- 306 ↗
Branches
5 branches in Louisiana
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Louisiana
5 branches
- Bank of ZacharyMain office4743 Main St, Zachary, LA 70791Directions
- Central Branch14395 Grand Settlement Blvd, Baton Rouge, LA 70818Directions
- Watson Branch32340 La Highway 16, Denham Springs, LA 70726Directions
- St. Francisville Branch5451 Live Oak Ctr, St. Francisville, LA 70775Directions
- Plaza Branch2210 Highway 64, Zachary, LA 70791Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.92% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.98% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio11.92%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of Zachary are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.