Zenith Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Yield on securities: 0.99 percentage points higher than in Q1 2026, at 5.51%. Zenith Bank & Trust ranks 9th of 12 Arizona banks on net interest margin, in the lower half at 3.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Zenith Bank & Trust sits 0.53 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.41% |
| Yield on securities | 5.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $527K |
| Interest expense on deposits | $527K |
Yields and Funding Costs trend
Last 11 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | — | — | — | 5.75% | — |
| Q1 2024 | 5.47% | 2.96% | 3.61% | 5.95% | — |
| Q2 2024 | 5.71% | 2.74% | 3.91% | 6.97% | — |
| Q3 2024 | 5.75% | 2.65% | 3.99% | 7.11% | 4.64% |
| Q4 2024 | 5.16% | 2.46% | 3.36% | 6.50% | 4.80% |
| Q1 2025 | 5.09% | 2.41% | 3.18% | 6.54% | 4.49% |
| Q2 2025 | 5.17% | 2.52% | 3.17% | 6.48% | 4.88% |
| Q3 2025 | 5.33% | 2.56% | 3.27% | 6.63% | 4.47% |
| Q4 2025 | 5.38% | 2.31% | 3.55% | 6.80% | 4.76% |
| Q1 2026 | 5.11% | 2.13% | 3.42% | 6.49% | 4.52% |
| Q2 2026 | 5.19% | 2.12% | 3.41% | 6.41% | 5.51% |
Zenith Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Zenith Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)