Bank Safety Analysis
Is Zenith Bank & Trust Safe? Scottsdale, Arizona
Based on its Q2 2026 call report, Zenith Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Zenith Bank & Trust's CET1 ratio is 28.25%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 28.25%
- Tier 1 leverage ratio (Q2 2026): 17.91%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): 0.00%
Zenith Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59318). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Zenith Bank & Trust meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 6.29 percentage points lower than in Q1 2026, at 28.25%. As of Q2 2026, Zenith Bank & Trust ranks first in Arizona on CET1 ratio among 8 banks, at 28.25%. Zenith Bank & Trust's CET1 ratio of 28.25% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 13.17 points (Q2 2026). From Q4 2023 to Q2 2026, Zenith Bank & Trust's CET1 ratio ranged between 28.25% (Q2 2026) and 722.35% (Q4 2023) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Zenith Bank & Trust's CET1 ratio fell from 51.23% to 28.25%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets fell from 0.26% to 0.05%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 28.25% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 17.91% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 84.2% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 28.25% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 70.22% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 132.64% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 28.25% |
| Q1 2026 | 34.54% |
| Q4 2025 | 34.25% |
| Q3 2025 | 39.75% |
| Q2 2025 | 51.23% |
| Q1 2025 | 53.66% |
| Q4 2024 | 92.31% |
| Q3 2024 | 184.96% |
| Q2 2024 | 195.27% |
| Q1 2024 | 290.48% |
| Q4 2023 | 722.35% |
Texas Ratio: last 11 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Zenith Bank & Trust by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 28.25% | 0.00% | 0.00% | 0.05% |
| Mar 31, 2026 | 34.54% | 0.00% | 0.00% | 0.11% |
| Dec 31, 2025 | 34.25% | 0.00% | 0.00% | 0.06% |
| Sep 30, 2025 | 39.75% | 0.00% | 0.00% | 0.03% |
| Jun 30, 2025 | 51.23% | 0.00% | 0.00% | 0.26% |
| Mar 31, 2025 | 53.66% | 0.00% | 0.00% | -0.74% |
| Dec 31, 2024 | 92.31% | 0.00% | 0.00% | -0.83% |
| Sep 30, 2024 | 184.96% | 0.00% | 0.00% | -0.16% |
| Jun 30, 2024 | 195.27% | 0.00% | 0.00% | -0.16% |
| Mar 31, 2024 | 290.48% | 0.00% | 0.00% | -0.09% |
| Dec 31, 2023 | 722.35% | 0.00% | 0.00% | -3.14% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Zenith Bank & Trust FDIC insured?
Yes. Zenith Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #59318). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Zenith Bank & Trust well capitalized?
On its Q2 2026 call report, Zenith Bank & Trust's CET1 ratio is 28.25%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Zenith Bank & Trust's key safety ratios?
For Q2 2026, Zenith Bank & Trust reports CET1 28.25%, leverage 17.91%, Texas ratio 0.00%, noncurrent loans 0.00%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Zenith Bank & Trust fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Zenith Bank & Trust’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 59318) · FFIEC NIC profile (RSSD 5805442)
Explore: Full Zenith Bank & Trust profile · Other banks in AZ · Metric glossary · How the call report works