Zenith Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total risk-based capital ratio dropped 6.30 percentage points in Q2 2026, from 35.50% to 29.20%. It was the largest change from Q1 2026 among the key lines here. Zenith Bank & Trust has the highest CET1 ratio of the 8 banks headquartered in Arizona, 28.25% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Zenith Bank & Trust reported 28.25% on CET1 ratio in Q2 2026, 13.17 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.25% |
| Tier 1 risk-based capital ratio | 28.25% |
| Total risk-based capital ratio | 29.20% |
| Tier 1 leverage ratio | 17.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $21.6M |
| Tier 1 capital | $21.6M |
| Total risk-based capital | $22.3M |
| Total equity capital | $21.6M |
| Risk-weighted assets | $76.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.24% |
| Tangible equity to tangible assets | 16.24% |
| Equity capital to average assets | 17.91% |
| Internal capital growth rate | 0.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $23.3M |
| Common stock surplus | $0 |
| Retained earnings | -$1.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 11 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 722.35% | 722.35% | 722.81% | 78.06% | $3.0M |
| Q1 2024 | 290.48% | 290.48% | 291.37% | 36.07% | $7.5M |
| Q2 2024 | 195.27% | 195.27% | 196.02% | 35.50% | $11.2M |
| Q3 2024 | 184.96% | 184.96% | 185.71% | 33.94% | $11.8M |
| Q4 2024 | 92.31% | 92.31% | 93.17% | 26.85% | $23.5M |
| Q1 2025 | 53.66% | 53.66% | 54.52% | 19.90% | $40.0M |
| Q2 2025 | 51.23% | 51.23% | 52.11% | 19.19% | $42.0M |
| Q3 2025 | 39.75% | 39.75% | 40.70% | 19.05% | $54.2M |
| Q4 2025 | 34.25% | 34.25% | 35.12% | 19.47% | $62.9M |
| Q1 2026 | 34.54% | 34.54% | 35.50% | 18.75% | $62.5M |
| Q2 2026 | 28.25% | 28.25% | 29.20% | 17.91% | $76.4M |
Zenith Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Zenith Bank & Trust, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Zenith Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59318) · FFIEC NIC profile (RSSD 5805442)