Total Assets
$107M
Total balance-sheet footings
FDIC Cert #59318 · Scottsdale, Arizona · Est. 2023
Zenith Bank & Trust - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $107M
- Total assets
- C
- Health grade · Fair
- -0.09%
- Return on assets
- 34.2%
- Tier 1 capital
Data updated July 2026
The verdict
Zenith Bank & Trust earns a PlainBankData health grade of C (60/100), with well-capitalized at 34.25% Tier 1, -0.09% ROA, 91% efficiency ratio.
- #3,685
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 34.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Zenith Bank & Trust's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Zenith Bank & Trust's composite health score
Tier 1 Capital Ratio (34.25%) 40/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (91.25%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$83M
Customer-funded liabilities
Net Loans
$52M
Outstanding loan book
Net Income
$-101K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Zenith Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Zenith Bank & Trust's score of 60/100 falls in the highlighted band.
Zenith Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Zenith Bank & Trust's $107M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
34.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
34.25%
Texas Ratio
0.00%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-0.47%
Efficiency Ratio
91.25%
What the numbers say about Zenith Bank & Trust
Zenith Bank & Trust is an FDIC-insured institution (Certificate #59318) headquartered in Scottsdale, Arizona, established in 2023. It holds $107M in total assets - 3,685th of 4,313 FDIC-insured banks, $83M in customer deposits, and $52M in net loans. Its capital position: a Tier 1 ratio of 34.25%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Zenith Bank & Trust is a community-scale institution -- 11th of 13 FDIC-insured banks headquartered in Arizona by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$172K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Zenith Bank & Trust reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Zenith Bank & Trust
Zenith Bank & Trust's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-101K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Zenith Bank & Trust up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Arizona by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Zenith Bank & Trust (FDIC Cert #59318) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| USAA Federal Savings BankPhoenix | $108.0B | B | 0.40% |
| Western Alliance BankPhoenix | $92.7B | B | 1.10% |
| BNC National BankGlendale | $1.1B | B | 1.00% |
| Southwest Heritage BankScottsdale | $894M | B | 0.98% |
| 1st Bank YumaYuma | $553M | F | 1.81% |
| Goldwater Bank, N.A.Phoenix | $515M | C | 0.85% |
| Gateway Commercial BankMesa | $228M | A | 1.16% |
| Mission BankKingman | $186M | B | 0.37% |
Frequently asked questions
What is Zenith Bank & Trust's health grade?▼
Zenith Bank & Trust receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Zenith Bank & Trust?▼
Zenith Bank & Trust holds $107M in total assets and $83M in deposits, ranking 3,685th of 4,313 FDIC-insured banks by asset size. It is headquartered in Scottsdale, Arizona.
Is my money safe at Zenith Bank & Trust?▼
Yes, deposits at Zenith Bank & Trust (Certificate #59318) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Zenith Bank & Trust's Tier 1 Capital Ratio?▼
Zenith Bank & Trust has a Tier 1 Capital Ratio of 34.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Zenith Bank & Trust?▼
Zenith Bank & Trust has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Zenith Bank & Trust?▼
Zenith Bank & Trust has an Efficiency Ratio of 91.25%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Zenith Bank & Trust's profile as a depositor or analyst.
- Zenith Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Zenith Bank & Trust against other Arizona banks before moving funds. Arizona banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.