BlastPoint's Banking Scorecard
Zenith Bank & Trust
Designations: ✓ Community bank
Scottsdale, AZ
Zenith Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier
- - Efficiency Ratio 23.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.6M
+16.1% YoY
-8.1% QoQ
|
-$110.9M |
$217.5M
+2.3% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$52.1M
+103.2% YoY
+3.1% QoQ
|
-$87.0M |
$139.2M
+2.8% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$83.3M
+21.7% YoY
-9.9% QoQ
|
-$100.4M |
$183.7M
+1.8% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
-0.09%
+73.2% YoY
+35.6% QoQ
|
-1.18% |
1.08%
+14.7% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.38%
-9.5% YoY
+2.9% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
91.25%
-10.3% YoY
-3.6% QoQ
|
+23.53% |
67.73%
-4.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.60%
+67.0% YoY
+14.4% QoQ
|
-11.93% |
74.53%
+0.5% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
24.55%
-1.1% YoY
-7.4% QoQ
|
+2.15% |
22.39%
-1.3% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
34.25%
-62.9% YoY
-13.8% QoQ
|
+25.40% |
8.85%
-3.4% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.16%
-1.2% YoY
+55.9% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Delinquency Rate
metricDelinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Nonperforming Asset Ratio
metricNon-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Concerns (2)
Return on Assets
metricReturn on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Efficiency Ratio
metricEfficiency Ratio is in the bottom decile (highest costs) of tier peers. It costs materially more to produce a dollar of revenue than at peers - cost discipline or revenue growth is needed.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%