Zenith Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 10.33 percentage points in Q2 2026, from 59.89% to 70.22%. It was the largest change from Q1 2026 among the key lines here. Zenith Bank & Trust has the 3rd lowest return on assets of the 12 banks headquartered in Arizona, at 0.05% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Zenith Bank & Trust reported 0.05% on return on assets in Q2 2026, 1.21 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.25% |
| Tier 1 risk-based capital ratio | 28.25% |
| Total risk-based capital ratio | 29.20% |
| Tier 1 leverage ratio | 17.91% |
| Equity capital to assets | 16.24% |
| Tangible equity to tangible assets | 16.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.05% |
| Return on equity | 0.28% |
| Net interest margin | 3.41% |
| Efficiency ratio | 84.24% |
| Yield on earning assets | 5.19% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.22% |
| Core deposits to total deposits | 88.62% |
| Brokered deposits to total deposits | 0.23% |
| Deposits to assets | 82.52% |
| Securities to assets | 1.16% |
Vital Signs trend
Last 11 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 722.35% | 722.35% | 722.81% | 78.06% | — |
| Q1 2024 | 290.48% | 290.48% | 291.37% | 36.07% | -0.09% |
| Q2 2024 | 195.27% | 195.27% | 196.02% | 35.50% | -0.16% |
| Q3 2024 | 184.96% | 184.96% | 185.71% | 33.94% | -0.16% |
| Q4 2024 | 92.31% | 92.31% | 93.17% | 26.85% | -0.83% |
| Q1 2025 | 53.66% | 53.66% | 54.52% | 19.90% | -0.74% |
| Q2 2025 | 51.23% | 51.23% | 52.11% | 19.19% | 0.26% |
| Q3 2025 | 39.75% | 39.75% | 40.70% | 19.05% | 0.03% |
| Q4 2025 | 34.25% | 34.25% | 35.12% | 19.47% | 0.06% |
| Q1 2026 | 34.54% | 34.54% | 35.50% | 18.75% | 0.11% |
| Q2 2026 | 28.25% | 28.25% | 29.20% | 17.91% | 0.05% |
Zenith Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Zenith Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)