Zenith Bank & Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 10.85 percentage points in Q2 2026, from 68.18% to 79.04%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Zenith Bank & Trust is 3rd from the bottom among 12 Arizona banks, 70.22% (Q2 2026). Zenith Bank & Trust reported 70.22% on loan-to-deposit ratio for Q2 2026, 10.34 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $54.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.22% |
| Net loans and leases to deposits | 69.58% |
| Loans and leases to core deposits | 79.04% |
| Core deposits to total deposits | 88.62% |
| Brokered deposits to total deposits | 0.23% |
Liquidity and Borrowings trend
Last 11 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 28.53% | 97.56% | $0 | $0 |
| Q1 2024 | 20.83% | 95.39% | $0 | $0 |
| Q2 2024 | 29.32% | 94.96% | $0 | $0 |
| Q3 2024 | 29.04% | 95.22% | $0 | $0 |
| Q4 2024 | 37.76% | 97.03% | $0 | $0 |
| Q1 2025 | 43.31% | 87.13% | $0 | $0 |
| Q2 2025 | 45.49% | 85.42% | $0 | $0 |
| Q3 2025 | 55.24% | 88.11% | $0 | $0 |
| Q4 2025 | 63.22% | 86.91% | $0 | $0 |
| Q1 2026 | 59.89% | 87.84% | $0 | $0 |
| Q2 2026 | 70.22% | 88.62% | $0 | $0 |
Zenith Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Zenith Bank & Trust, freeSource: Call Report Schedules RC and RC-M, 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)