Zenith Bank & Trust: Tier 1 Risk-Based Capital Ratio
Data as of · sourced from FFIEC call reports. How we update
Zenith Bank & Trust reported a tier 1 risk-based capital ratio of 28.25% as of Q2 2026, ranking #104 of 2,134 U.S. banks (95th percentile). That is down 22.98 percentage points from 51.23% a year earlier, and above the 15.49% median of the 887 Small Community Banks ($100M–$500M in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
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What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
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What is Zenith Bank & Trust's Tier 1 Risk-Based Capital Ratio?
Zenith Bank & Trust's Tier 1 Risk-Based Capital Ratio was 28.25% as of Q2 2026, ranking #104 of 2,134 U.S. banks.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
More Zenith Bank & Trust metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Zenith Bank & Trust profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 59318) · FFIEC NIC profile (RSSD 5805442)