Zapata National Bank

What Zapata National Bank does

Zapata National Bank is a privately held community bank founded in 1961 and headquartered in Zapata, Texas. It provides personal and commercial banking products to consumers, small businesses, farms, and ranches in Zapata County and the broader South Texas region. The bank's deposit franchise spans four personal checking tiers (Free, Regular, NOW, and Zapata NOW), three personal savings products (Personal Savings, Super NOW, Money Market), and parallel commercial deposit products (Commercial Checking, NOW Commercial, Commercial Savings, Commercial Money Market). Lending operations cover consumer loans, auto loans, home equity, residential and commercial real estate, farm and ranch loans, equipment financing, letters of credit, and revolving lines of credit, with local decision-making cited as a core differentiator. Merchant services are offered through a Clover channel partnership, and the digital banking stack (mobile app for iOS and Android, online banking, and text banking) is powered by Fiserv.

The bank's revenue model is a standard community bank construct: net interest income from the loan portfolio (consumer, commercial, real estate, farm & ranch) supplemented by deposit account fees (maintenance, minimum balance, per-transaction), commercial account activity fees, and merchant processing residuals. Pricing is straightforward and tier-based: consumer checking starts at zero monthly maintenance on the free tier, with monthly fees of $9-$10 on interest-bearing tiers waived at specified minimum balances; commercial accounts carry $5-$15 monthly maintenance charges plus per-transaction fees, partially offset by an earnings credit on average daily balance. The customer base is distributed across individual consumers and small commercial accounts in a single rural county, with no named enterprise customers or anchor accounts disclosed.

Zapata National Bank's distribution is built around a single physical branch at 706 Hidalgo Blvd with extended motor bank hours (including Saturday) and a 24/7 ATM network at two Zapata locations, supplemented by mobile and online channels. Management is locally anchored under the Ramirez family — Jose M. Ramirez Jr. as Board Chairman and Jose M. Ramirez III as President/CEO — alongside a local board of directors and a small executive team handling commercial lending, compliance, and operations. The bank has been announced as an acquisition target by Texas National Bank, with the target's website copyright now held by the acquirer, signaling an end to its independent operating posture.

Name

Zapata National Bank

Legal name

Zapata National Bank

Website

https://zapatanationalbank.com

Company type

Private

Founded year

1961

Operating status

Acquired

Headcount range

11–50 employees

Short description

Zapata National Bank is a privately held community bank founded in 1961 in Zapata, Texas, offering personal and commercial deposit products, consumer and commercial loans, and merchant services to individuals, small businesses, and agricultural clients in Zapata County and South Texas.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• Consumer loan products
• Small business banking

Headquarters

HQ city

Zapata

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank interest income from loans including consumer loans, commercial loans, real estate loans, farm & ranch loans, auto loans, and lines of credit
2. Checking and Savings Account Fees: Maintenance fees, minimum balance fees, and per-transaction fees for checking and savings accounts
3. Commercial Banking Services: Commercial checking, NOW commercial accounts, commercial savings, and money market accounts with associated maintenance and activity fees
4. Merchant Services: Payment processing services through Clover partnership for merchant clients

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Zapata National Bank is a full-service community bank operating in Zapata County, South Texas since 1961. It provides FDIC-insured personal and commercial deposit products (checking, savings, money market accounts), a wide range of consumer and commercial loan products (auto, real estate, farm and ranch, equipment, home equity, lines of credit, letters of credit), and merchant services through a Clover partnership. Digital access is enabled via a Fiserv-powered mobile banking app and online banking portal, complemented by a physical branch, motor bank, and 24/7 ATM network.

Product overview

Zapata National Bank offers a unified suite of traditional banking products and services to consumers and businesses in South Texas. The personal banking portfolio includes four checking account tiers (Free Checking, Regular Checking, NOW Checking, and Zapata NOW) and three savings options (Personal Savings, Super NOW, and Money Market Personal). Commercial banking products encompass two checking accounts (Commercial Checking and NOW Commercial) and two savings products (Commercial Savings and Commercial Money Market). The bank also provides a comprehensive loan program covering consumer loans, auto loans, farm and ranch loans, equipment loans, residential and commercial real estate financing, home equity loans, and revolving credit facilities. Mobile and online banking services are powered by Fiserv, while merchant services are delivered through a Clover partnership. All products share common features including ZNB Debit Cards, online banking access, and mobile banking functionality.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking account offerings for individual consumers in Zapata County and South Texas, with multiple tiers (Free Checking, Regular Checking, NOW Checking, Zapata NOW) including interest-bearing and non-interest-bearing options to serve a range of retail customer needs.
• Personal Savings Accounts Personal savings account offerings for individuals, including Personal Savings, Super NOW, and Money Market accounts. Includes free online banking access and a complimentary ZNB Debit Card.
• Commercial Checking Accounts Business checking accounts for small businesses, farms, ranches, and commercial enterprises, including Commercial Checking with an earnings credit on average daily balance and NOW Commercial interest-bearing checking.
• Commercial Savings Accounts Business savings and money market accounts for commercial customers, including Commercial Savings with interest accrued daily and paid quarterly, and Commercial Money Market with monthly interest accrual.
• Consumer Loans Personal consumer loan products including unsecured small loans, auto loans, and loans secured by certificates of deposit or savings account holdings, for individual financial needs.
• Farm and Ranch Loans Agricultural financing for farm and ranch operations and related equipment purchases in South Texas.
• Residential Real Estate Loans Home purchase, construction, permanent financing, and refinance options for residential real estate for individual consumers.
• Home Equity Loans Loans secured by accumulated equity in residential property for personal borrowing needs.
• Commercial Real Estate Loans Commercial property purchase, construction, and permanent financing for business real estate needs.
• Commercial Loans and Small Business Loans General commercial lending for business capital, operational needs, and small business financing, including equipment loans.
• Revolving Lines of Credit Flexible credit facility allowing commercial customers to draw, repay, and redraw funds as needed for working capital.
• Letters of Credit Commercial banking instrument providing payment guarantees for business transactions.
• Mobile Banking Native iOS and Android mobile banking application powered by Fiserv, providing account viewing, transfers, bill payment, mobile deposit, and debit card management for personal and business customers.
• Online Banking Internet-based banking platform providing account access, statement viewing, and transaction management via web browser.
• Merchant Services Point-of-sale payment processing services delivered through a Clover partnership, enabling business customers to accept card payments.

Quantifiable outcome

• Quick local loan decisions - unlike larger institutions
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Texas National BankcoreStrategic or Co-development PartnerTexas National Bank announced acquisition of Zapata National Bank. The website is now showing copyright 2026 Texas National Bank. This represents a significant strategic transaction combining two South Texas community banks.
• FiservcoreTechnology or IntegrationFiserv powers Zapata National Bank's mobile banking application. The mobile app enables real-time balances, account management, transfers, bill pay, mobile deposit, and card controls through Fiserv's financial technology platform.
• Clover (Fiserv subsidiary)minorChannel Partner/ Reseller/ DistributorClover provides merchant services for Zapata National Bank business clients. The partnership offers payment processing solutions for merchants through the Clover platform.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• First National Bank of Texas: First National Bank of Texas operates as a community-oriented bank with branch presence across Texas. Its focus on consumer deposit products and small business lending overlaps directly with Zapata National Bank's service model.
• CommunityBank of Texas: CommunityBank of Texas is a Texas-based community bank offering deposit, lending, and digital banking services to consumers and small businesses. Its product set and target customer segments align directly with Zapata National Bank's offerings.
• Vantage Bank Texas: Vantage Bank Texas is a community bank serving Texas markets with deposit, lending, and digital banking services. Its scale and customer focus are broadly comparable to Zapata National Bank's small-market community bank model.
• Lone Star National Bank: Lone Star National Bank is a Texas community bank with deep South Texas roots, particularly in the Rio Grande Valley. It serves similar consumer and small business segments with deposit, loan, and digital banking products, making it a directly comparable community banking peer.
• Texas First Bank: Texas First Bank is a Texas community bank serving consumer and small business customers with deposit accounts, loans, and digital banking. Its community-oriented operating model and Texas market focus make it a directly comparable peer.
• Texas National Bank: Texas National Bank is the acquiring institution in the announced deal to acquire Zapata National Bank. It is a Texas-based community bank serving South Texas with a comparable product set (checking, savings, loans), making it the most directly comparable peer and the natural acquirer benchmark.

Broad incumbents

• International Bank of Commerce (IBC Bank): IBC Bank is a large regional bank serving Texas and the broader Southwest with full consumer and commercial banking services. While substantially larger than Zapata National Bank, IBC competes for the same South Texas deposit and small business lending market, making it a broad incumbent peer.
• Prosperity Bank: Prosperity Bank is one of the largest Texas-based community banking franchises with extensive South Texas presence. It offers directly overlapping consumer and commercial banking products and competes for the same small business and agricultural lending opportunities.

Regional players

• First State Bank of Uvalde: First State Bank of Uvalde is a community bank serving South Texas markets neighboring Zapata County. Its geographic proximity and similar small-town community banking model make it a closely comparable regional peer.

Others

• Fiserv (technology enabler): Fiserv powers Zapata National Bank's mobile and online banking platform and its Clover merchant services. While not a direct competitor, Fiserv is the core technology ecosystem that enables this community bank to offer modern digital banking, making it a critical enabling peer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/people/Zapata-National-Bank/100057369132636
• LinkedInlinkedin.com/company/zapata-national-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zapata National Bank