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BDI
ZB

Zenith Bank & Trust

Scottsdale, ArizonaFDIC Cert #59318

STATEEstablished 20231 branch

Holding company: VB&T HOLDING CO LLCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.11%
+114.2%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNETINC + ROA
ROE
0.57%
+115.6%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNETINC + ROE
Pretax ROA
0.11%
+114.2%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICPTAXNETINC + ASSET
NIM
3.45%
+4.8%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNIM + NIMY
Earning yield
5.16%
−1.8%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICINTINCY
IB deposit cost
2.63%
−6.4%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
91.92%
−13.4%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.21%
−12.1%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNONIX + ASSET
Fee share
3.79%
−46.7%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNONII + NIM
Assets YoY
+4.84%
−93.6%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICASSET
Deposits YoY
+5.94%
−95.0%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICDEP
Loans YoY
+46.29%
−86.9%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
80th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −1.44%Median −0.58%90th 0.13%Observations 6
ROE
FDICNETINC + ROE
71st percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −9.30%Median −4.54%90th 0.75%Observations 6
NIM
FDICNIM + NIMY
40th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.64%Median 3.62%90th 4.62%Observations 6
Efficiency
FDICNONIX + NIM + NONII + EEFFR
80th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 91.69%Median 113.26%90th 142.35%Observations 6
Deposits YoY
FDICDEP
28th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th +5.82%Median +45.15%90th +96.22%Observations 6
Loans YoY
FDICLNLSNET
28th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +33.83%Median +52.83%90th +212.49%Observations 6
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
71st percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.00%90th 0.13%Observations 6
Leverage
FDICRBC1AAJ
71st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.68%Median 16.35%90th 20.11%Observations 6

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
80th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 2.61%Median 3.54%90th 4.08%Observations 6

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.