BlastPoint's Banking Scorecard
Zenith Bank & Trust
Scottsdale, AZ
Zenith Bank & Trust has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19.6% in tier
- - Return on Assets 1.16% below tier average
- - Efficiency Ratio 26.63% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.48% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.6M
+4.8% YoY
+15.0% QoQ
|
-$263.5M |
$386.1M
+0.5% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.6% in tier |
| Total Loans ? |
$58.9M
+46.3% YoY
+13.0% QoQ
|
-$196.8M |
$255.7M
+1.1% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.6% in tier |
| Total Deposits ? |
$99.3M
+5.9% YoY
+19.2% QoQ
|
-$228.7M |
$328.0M
+0.1% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.5% in tier |
| Return on Assets ? |
0.11%
+114.2% YoY
+215.9% QoQ
|
-1.16% |
1.27%
+12.9% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.9% in tier |
| Net Interest Margin ? |
3.45%
+4.8% YoY
+2.0% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
91.92%
-13.4% YoY
+0.7% QoQ
|
+26.63% |
65.29%
-4.5% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
59.32%
+38.1% YoY
-5.2% QoQ
|
-17.32% |
76.64%
+0.8% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
26.82%
+10.5% YoY
+9.3% QoQ
|
+4.80% |
22.02%
-1.0% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
34.54%
-35.6% YoY
+0.9% QoQ
|
+18.71% |
15.83%
+1.5% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
Top 2.5% in tier |
| Non-Interest Income / Assets ? |
0.03%
-43.4% YoY
-80.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.