# ZENITH BANK&TRUST
SCOTTSDALE, AZ · FDIC certificate 59318 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $133.0M | |
| Deposits | $109.8M | |
| Loans and leases | $77.1M | |
| Total equity | $21.6M | |
| Loans / deposits | 69.58% (p44 of band) | 73.59% |
| Liquid assets / assets | 41.08% (p65 of band) | |
| Uninsured deposits / deposits | 60.46% (p99 of band) | 19.81% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 0.19% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.91% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -0.01% (p92 of band) | -6.57% |
| AOCI / equity | -0.09% (p64 of band) | |
| ROA (annualized) | 0.08% (p8 of band) | 1.17% |
| Net interest margin | 3.35% (p23 of band) | 3.93% |
| Efficiency ratio | 87.99% (p88 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 16.59% (p48 of band) | |
| Auto loans | $28,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.4% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-12 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2024-03 | 2 |  | expense ratio p90, NIM <2.5% |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 4 | expense ratio p90 |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | capital falling, expense ratio p90 |
| 2026-03 | 1 |  | losing money |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59318 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "59318", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide