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Zenith Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 2,612 |
| Cost of funding earning assets | 1.9645% | 2,026 |
| Net interest margin | 3.2912% | 2,791 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 3.6590% | 497 |
| Loan and lease loss provision to assets | 0.5500% | 167 |
| Net operating income to assets | -0.7625% | 4,352 |
| Return on assets (ROA) | -0.7625% | 4,384 |
| Pretax return on assets | -0.7625% | 4,371 |
| Return on Equity (ROE) | -3.6900% | 4,309 |
| Retained earnings to average equity (ytd only) | -3.6948% | 4,016 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 106.1111% | 208 |
| Assets per employee ($millions) | 10.6328% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 3,835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 34.4200% | 4,119 |
| Net loans and leases to deposits | 42.9587% | 4,066 |
| Net loans and leases to core deposits | 49.3026% | 4,000 |
| Total domestic deposits to total assets | 80.1300% | 3,586 |
| Equity capital to assets | 18.3335% | 334 |
| Core capital (leverage) ratio | 19.8970% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.5243% | 98 |
| Memoranda: | ||
| Average total assets | $104,399,500 | 3,743 |
| Average earning assets | $101,604,000 | 3,692 |
| Average equity | $21,543,500 | 2,920 |
| Average total loans | $33,215,500 | 4,045 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 2,010 |
| Cost of funding earning assets | 1.8254% | 2,668 |
| Net interest margin | 3.7391% | 1,610 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 3.8838% | 407 |
| Loan and lease loss provision to assets | 0.2800% | 448 |
| Net operating income to assets | -0.3483% | 4,316 |
| Return on assets (ROA) | -0.3483% | 4,341 |
| Pretax return on assets | -0.3483% | 4,332 |
| Return on Equity (ROE) | -1.0500% | 4,251 |
| Retained earnings to average equity (ytd only) | -1.0545% | 4,096 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 101.7050% | 250 |
| Assets per employee ($millions) | 7.6532% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 3,999 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 27.9300% | 4,250 |
| Net loans and leases to deposits | 37.4803% | 4,198 |
| Net loans and leases to core deposits | 38.6289% | 4,212 |
| Total domestic deposits to total assets | 74.5200% | 4,031 |
| Equity capital to assets | 23.5676% | 216 |
| Core capital (leverage) ratio | 26.8501% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.1651% | 72 |
| Memoranda: | ||
| Average total assets | $66,043,800 | 4,083 |
| Average earning assets | $63,437,400 | 4,033 |
| Average equity | $21,811,400 | 2,848 |
| Average total loans | $12,828,800 | 4,294 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8993% | 1,397 |
| Cost of funding earning assets | 1.8862% | 2,504 |
| Net interest margin | 4.0131% | 1,125 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 3.8884% | 396 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | -0.1409% | 4,304 |
| Return on assets (ROA) | -0.1409% | 4,326 |
| Pretax return on assets | -0.1409% | 4,308 |
| Return on Equity (ROE) | -0.3800% | 4,254 |
| Retained earnings to average equity (ytd only) | -0.3844% | 4,064 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 99.3711% | 291 |
| Assets per employee ($millions) | 5.9557% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 4,170 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 18.4700% | 4,354 |
| Net loans and leases to deposits | 28.8586% | 4,327 |
| Net loans and leases to core deposits | 30.3086% | 4,317 |
| Total domestic deposits to total assets | 64.0100% | 4,326 |
| Equity capital to assets | 33.3109% | 145 |
| Core capital (leverage) ratio | 33.9432% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 185.7058% | 42 |
| Memoranda: | ||
| Average total assets | $59,595,250 | 4,157 |
| Average earning assets | $57,044,500 | 4,120 |
| Average equity | $21,853,250 | 2,839 |
| Average total loans | $9,575,750 | 4,359 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 1,249 |
| Cost of funding earning assets | 1.9425% | 2,256 |
| Net interest margin | 3.9976% | 1,112 |
| Noninterest income to average assets | 0.0500% | 4,400 |
| Noninterest expense to average assets | 3.7555% | 444 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | -0.1284% | 4,321 |
| Return on assets (ROA) | -0.1284% | 4,343 |
| Pretax return on assets | -0.1284% | 4,323 |
| Return on Equity (ROE) | -0.3400% | 4,279 |
| Retained earnings to average equity (ytd only) | -0.3385% | 3,964 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 97.0404% | 343 |
| Assets per employee ($millions) | 6.3013% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 4,188 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 18.2400% | 4,374 |
| Net loans and leases to deposits | 29.1289% | 4,344 |
| Net loans and leases to core deposits | 30.6740% | 4,324 |
| Total domestic deposits to total assets | 62.6300% | 4,348 |
| Equity capital to assets | 34.6643% | 146 |
| Core capital (leverage) ratio | 35.5003% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 196.0218% | 43 |
| Memoranda: | ||
| Average total assets | $57,622,667 | 4,201 |
| Average earning assets | $55,083,000 | 4,165 |
| Average equity | $21,863,333 | 2,808 |
| Average total loans | $8,708,000 | 4,385 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0597% | 986 |
| Cost of funding earning assets | 2.0530% | 1,879 |
| Net interest margin | 4.0068% | 1,083 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 3.5465% | 530 |
| Loan and lease loss provision to assets | 0.3900% | 221 |
| Net operating income to assets | -0.0947% | 4,338 |
| Return on assets (ROA) | -0.0947% | 4,327 |
| Pretax return on assets | -0.0947% | 4,314 |
| Return on Equity (ROE) | -0.2400% | 4,271 |
| Retained earnings to average equity (ytd only) | -0.2377% | 3,760 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 92.4099% | 497 |
| Assets per employee ($millions) | 7.3963% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 4,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 13.3500% | 4,421 |
| Net loans and leases to deposits | 20.6962% | 4,406 |
| Net loans and leases to core deposits | 21.6960% | 4,432 |
| Total domestic deposits to total assets | 64.5100% | 4,382 |
| Equity capital to assets | 32.8496% | 150 |
| Core capital (leverage) ratio | 36.0651% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 291.3656% | 29 |
| Memoranda: | ||
| Average total assets | $54,927,500 | 4,249 |
| Average earning assets | $52,411,500 | 4,212 |
| Average equity | $21,873,500 | 2,808 |
| Average total loans | $7,277,000 | 4,425 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8862% | 4,589 |
| Cost of funding earning assets | 0.0562% | 4,499 |
| Net interest margin | 0.8301% | 4,548 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 1.2636% | 4,452 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -0.5082% | 4,507 |
| Return on assets (ROA) | -0.5082% | 4,492 |
| Pretax return on assets | -0.5082% | 4,485 |
| Return on Equity (ROE) | -1.0100% | 4,386 |
| Retained earnings to average equity (ytd only) | -1.0055% | 4,184 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 160.4106% | 34 |
| Assets per employee ($millions) | 4.8098% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2496% | 4,437 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 12.9300% | 4,440 |
| Net loans and leases to deposits | 28.4617% | 4,371 |
| Net loans and leases to core deposits | 29.1725% | 4,404 |
| Total domestic deposits to total assets | 45.4100% | 4,478 |
| Equity capital to assets | 50.5452% | 128 |
| Core capital (leverage) ratio | 78.0648% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 722.8128% | 5 |
| Memoranda: | ||
| Average total assets | $43,288,000 | 4,369 |
| Average earning assets | $40,960,000 | 4,337 |
| Average equity | $21,880,000 | 2,707 |
| Average total loans | $5,609,000 | 4,458 |