Zenith Bank & Trust
Scottsdale, AZ · Cert 59318 · Peer group: banks under $1B in assets (n=573-620) · VB&T Holding Co. LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
$133.0MAssets
$77.1MLoans
$109.8MDeposits
$21.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
- Widest gap: return on equity trails 91% of banks under $1B in assets (rank 567 of 620).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.07%
Rank 567 of 620
Net Interest Margin
3.27%
Rank 392 of 620
Efficiency Ratio
87.99%
Rank 529 of 620
Equity / Assets
16.24%
Rank 114 of 620
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 15% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.07% | 0.60% | 1.00% | 1.45% | Beats 9% | 567 / 620 | |
| Return on Equity | 0.43% | 5.30% | 9.30% | 13.29% | Beats 9% | 567 / 620 | |
| Net Interest Margin | 3.27% | 3.02% | 3.53% | 4.04% | Beats 37% | 392 / 620 | |
| Efficiency Ratio | 87.99% | 58.35% | 68.08% | 79.37% | Beats 15% | 529 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 28.25% | 11.27% | 13.87% | 18.78% | Beats 87% | 82 / 620 | |
| Total Risk-Based Capital Ratio | 29.20% | 11.69% | 14.57% | 19.67% | Beats 87% | 80 / 620 | |
| Equity / Assets | 16.24% | 9.03% | 10.60% | 13.73% | Beats 82% | 114 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 70.22% | 65.08% | 79.69% | 92.47% | 33rd pctl | 393 / 585 | |
| Loans / Assets | 57.95% | 51.85% | 67.17% | 77.86% | 33rd pctl | 416 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |