Bank Comparison
Mission Bank vs Zenith Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| CET1 Ratio | 19.06% | 34.54% |
| Tier 1 Capital Ratio | 19.06% | 34.54% |
| Total Capital Ratio | 20.02% | 35.50% |
| Tier 1 Leverage Ratio | 9.39% | 18.75% |
| Equity / Assets | 6.96% | 17.60% |
Profitability
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 0.11% |
| Return on Equity (ROE) | 8.78% | 0.57% |
| Net Interest Margin (NIM) | 3.17% | 3.42% |
| Yield on Earning Assets | 3.97% | 5.11% |
| Cost of Funds | 0.83% | 2.09% |
Asset quality
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| Texas Ratio | 2.49% | 0.00% |
| Non-Performing Loan Ratio | 0.25% | 0.00% |
| Non-Performing Asset Ratio | 0.10% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.17% | 0.96% |
Balance sheet
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| Total Assets | $182,236K | $122,620K |
| Total Deposits | $168,446K | $99,289K |
| Total Loans | $70,516K | $59,465K |
| Total Equity | $12,691K | $21,580K |
| Net Income (quarter) | $276 | $31 |
Liquidity & funding
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 41.86% | 59.89% |
| Core Deposit Ratio | 95.61% | 87.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mission Bank | Zenith Bank & Trust |
|---|---|---|
| Headquarters City | KINGMAN | SCOTTSDALE |
| Headquarters State | AZ | AZ |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 31 | 12 |
| Established | April 30, 2001, midnight | Oct. 2, 2023, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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