Zenith Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Zenith Bank & Trust of Scottsdale, AZ against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.05% | 1.25% | -1.20% | 4th bottom |
| ROAE | 0.28% | 13.17% | -12.89% | 4th bottom |
| Net Interest Margin | 3.41% | 3.95% | -0.54% | 23rd bottom |
| Efficiency Ratio | 84.24% | 61.50% | +22.74% | 9th bottom |
| PPNR / Avg Assets | 0.55% | — | — | 8th bottom |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 30th below |
| Cost of Funds | 2.12% | 1.87% | +0.25% | 30th below |
| Net Interest Spread | 2.45% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.91% | — | — | 18th bottom |
| Texas Ratio | 0.00% | 6.06% | -6.06% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.25% | 17.18% | +11.07% | 91st top |
| Tier 1 Ratio | 28.25% | 17.21% | +11.04% | 91st top |
| Total Capital Ratio | 29.20% | — | — | 91st top |
| Leverage Ratio | 17.91% | 11.75% | +6.16% | 94th top |
| Equity / Assets | 16.24% | 10.98% | +5.26% | 92nd top |
| TCE / Tangible Assets | 16.24% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.22% | 80.44% | -10.22% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.62% | 86.95% | +1.67% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.40% | — | — | 95th top |
| Loan Growth (Y/Y) | 96.67% | — | — | 100th top |
| Deposit Growth (Y/Y) | 27.42% | — | — | 96th top |
See Zenith Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Zenith Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Zenith Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Zenith Bank & Trust peer analysis.