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Zenith Bank & Trust

Scottsdale, AZ · Cert 59318 · VB&T Holding Co. LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$133.0MAssets
$77.1MLoans
$109.8MDeposits
$21.6MEquity
Loan mix
80%RE $47.5M8%C&I $4.9M12%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $81.0M26%Noninterest $28.7MQ2 2025Q2 2026

NIM

5.32%Q2 ’244.91%Q2 ’254.94%Q2 ’26-15%+8%

Non-interest income vs. expense

3.52%Q2 ’243.21%Q2 ’252.99%Q2 ’26-12%-6%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #39 of 55 inst. · $0.1B of $192.0B

Executive Summary

  • Earnings: ROA of 0.08%, up 31 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.91%, down 128 bps from a year ago.
  • Funding: loans stand at 70.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.08%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+23 bps YoY

Efficiency Ratio (YTD, annualized)

87.99%-1,234 bps YoY

Tier 1 Leverage Ratio

17.91%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.24%-0.14%-0.09%0.11%0.08%+31 bps
Return on Equity-1.17%-0.73%-0.47%0.57%0.43%+160 bps
Net Interest Margin3.04%3.08%3.22%3.35%3.27%+23 bps
Efficiency Ratio100.33%94.69%91.25%91.92%87.99%-1,234 bps
Non-Interest Burden3.05%2.91%2.93%3.07%2.86%-19 bps
Growth
Asset Growth (YoY)73.85%77.01%16.06%4.84%21.40%-5,244 bps
Loan Growth (YoY)239%319%103.74%46.50%96.67%-14,201 bps
Deposit Growth (YoY)118.25%120.47%21.69%5.94%27.42%-9,083 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.91%0.98%0.99%0.96%0.91%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.19%19.05%19.47%18.75%17.91%-128 bps
Total Risk-Based Capital52.11%40.70%35.12%35.50%29.20%-2,291 bps
Equity / Assets19.64%18.58%20.23%17.60%16.24%-340 bps
Liquidity & Funding
Loans / Deposits45.49%55.24%63.22%59.89%70.22%+2,473 bps
Liquid Assets / Assets57.81%50.65%46.97%48.48%38.83%-1,899 bps
CRE / Total Capitaln/a117.09%116.83%138.63%n/an/a