| Metric | Zenith Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.4% | +4.4% | +17.0 pts |
| Deposit growth (YoY) | +27.4% | +4.0% | +23.5 pts |
| Loan growth (YoY) | +96.7% | +5.6% | +91.1 pts |
| ROA | 0.08% | 1.24% | -1.2 pts |
| ROE | 0.4% | 11.9% | -11.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.0M | $109.8M | $76.4M | $21.6M | $46K | 0.08% | 3.35% | 0.00% |
| Q1 2026 | $122.6M | $99.3M | $58.9M | $21.6M | $31K | 0.11% | 3.45% | 0.00% |
| Q4 2025 | $106.6M | $83.3M | $52.1M | $21.6M | $-101K | -0.09% | 3.38% | 0.00% |
| Q3 2025 | $116.0M | $92.4M | $50.6M | $21.5M | $-118K | -0.14% | 3.29% | 0.00% |
| Q2 2025 | $109.5M | $86.1M | $38.8M | $21.5M | $-126K | -0.24% | 3.30% | 0.00% |
| Q1 2025 | $117.0M | $93.7M | $40.3M | $21.4M | $-199K | -0.76% | 3.29% | 0.00% |
| Q4 2024 | $91.8M | $68.4M | $25.6M | $21.6M | $-230K | -0.35% | 3.74% | 0.00% |
| Q3 2024 | $65.5M | $41.9M | $12.1M | $21.8M | $-63K | -0.14% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $60.6M · commercial $11.2M · consumer $5.3M · securities $1.5M
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 62.9% | 92nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Zenith Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $109.8M branch deposits. Biggest market: Maricopa, AZ, ranked 62nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 1 | $109.8M | 0.05% | 62nd |
Arizona: 80th with 0.04% · Phoenix-Mesa-Chandler metro: 63rd, 0.05% ·
Branch count: 2024 1 · 2025 1 · 2026 1
Technology spend up 29% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).