Zenith Bank & Trust
Scottsdale, AZ · Cert 59318 · Peer group: banks under $1B in assets (n=581-629) · 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 581).
- Widest gap: return on equity trails 91% of banks under $1B in assets (rank 574 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.07%
Rank 574 of 629
Net Interest Margin
3.27%
Rank 402 of 629
Efficiency Ratio
87.99%
Rank 536 of 629
Equity / Assets
16.24%
Rank 119 of 629
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% | 1.01% | 1.45% | Beats 9% | 574 / 629 | |
| Return on Equity | 0.43% | 5.38% | 9.30% | 13.28% | Beats 9% | 574 / 629 | |
| Net Interest Margin | 3.27% | 3.03% | 3.54% | 4.05% | Beats 36% | 402 / 629 | |
| Efficiency Ratio | 87.99% | 58.35% | 67.79% | 79.08% | Beats 15% | 536 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 28.25% | 11.24% | 13.84% | 18.77% | Beats 86% | 87 / 629 | |
| Total Risk-Based Capital Ratio | 29.20% | 11.58% | 14.43% | 19.66% | Beats 86% | 85 / 629 | |
| Equity / Assets | 16.24% | 9.09% | 10.65% | 13.80% | Beats 81% | 119 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 70.22% | 67.24% | 80.90% | 93.48% | 31st pctl | 410 / 594 | |
| Loans / Assets | 57.95% | 53.31% | 67.71% | 78.15% | 31st pctl | 433 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |