Zenith Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 46.13 percentage points higher than in Q1 2026, at 132.64%. On loan-to-deposit ratio, Zenith Bank & Trust is 3rd from the bottom among 12 Arizona banks, 70.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Zenith Bank & Trust sits 10.34 points lower, at 70.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.1M |
| Net loans and leases | $76.4M |
| Loans held for sale | $0 |
| Loans to total assets | 57.95% |
| Loan-to-deposit ratio | 70.22% |
| Net loans to equity capital | 3.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.52% |
| Multifamily (5+ residential) | 7.21% |
| Commercial and industrial | 14.53% |
| Consumer | 6.82% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.64% |
| Construction concentration (Tier 1 capital + allowance) | 16.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $1.0M |
Loan Portfolio trend
Last 11 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $5.6M | $19.7M | 0.00% | 40.19% | 59.81% |
| Q1 2024 | $8.9M | $42.9M | 0.00% | 64.57% | 35.43% |
| Q2 2024 | $11.6M | $39.5M | 0.00% | 69.89% | 26.45% |
| Q3 2024 | $12.2M | $41.9M | 0.00% | 68.85% | 26.61% |
| Q4 2024 | $25.8M | $68.4M | 0.00% | 50.71% | 29.00% |
| Q1 2025 | $40.6M | $93.7M | 19.60% | 23.55% | 19.30% |
| Q2 2025 | $39.2M | $86.1M | 25.99% | 21.51% | 11.06% |
| Q3 2025 | $51.1M | $92.4M | 34.34% | 10.92% | 8.95% |
| Q4 2025 | $52.6M | $83.3M | 33.30% | 9.38% | 9.71% |
| Q1 2026 | $59.5M | $99.3M | 40.39% | 8.20% | 11.83% |
| Q2 2026 | $77.1M | $109.8M | 42.52% | 14.53% | 6.82% |
Zenith Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Zenith Bank & Trust, freeSource: Call Report Schedule RC-C, 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)