Zenith Bank & Trust: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Zenith Bank & Trust's strongest measure in Q2 2026 is assets per employee ($12.1M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.08% vs. 1.19%).
| Measure | Zenith Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.08% | 1.19% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.95% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.99% | 64.45% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.1M | $6.5M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.58% | 75.31% | Context |
What it means for lending operations
Its efficiency ratio of 87.99% is above the 64.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Iuka State Bank Salem, IL · $133M
- The First National Bank of Ely Ely, NV · $133M
- The Southern Bank Company Gadsden, AL · $133M
- Community State Bank Shelbina, MO · $133M
- First Community Bank of Hillsboro Hillsboro, IL · $133M
- Pioneer State Bank Deer Lodge, MT · $134M
Questions about Zenith Bank & Trust
How big is Zenith Bank & Trust?
Zenith Bank & Trust, established in 2023, is headquartered in Scottsdale, AZ. It reported $133M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Zenith Bank & Trust's return on assets?
0.08% annualized in Q2 2026, against a 1.19% median for 1000 U.S. banks with half to twice its assets, ahead of 4% of them.
What is Zenith Bank & Trust's efficiency ratio?
87.99% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Zenith Bank & Trust growing its loans?
Net loans grew 96.7% over the year to Q2 2026, while deposits grew 27.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arizona bank ranked.