Gateway Commercial Bank vs Zenith Bank&Trust
Side-by-side bank health comparison using FDIC financial data
Gateway Commercial Bank (A) and Zenith Bank&Trust (A) are close on the BankHealth rubric. Asset bases: $200M versus $63M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Gateway Commercial Bank has a stronger Bank Health Score of 91/100 (A) compared to Zenith Bank&Trust at 91/100 (A), a difference of 0 points. Gateway Commercial Bank holds a Tier 1 capital ratio of 13.3% and an NPL ratio of 0.00%.
| Metric | Gateway Commercial Bank | Zenith Bank&Trust |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 91/100 (A) | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.3% | 195.3%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 37.4% | 78.9%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.8%* | -0.1% |
| Total Assets | $200M | $63M |
| Total Deposits | $161M | $39M |
| Location | Mesa, Arizona | Scottsdale, Arizona |
Gateway Commercial Bank has a stronger Bank Health Score of 91/100 (A) compared to Zenith Bank&Trust at 91/100 (A), a difference of 0 points. Gateway Commercial Bank holds a Tier 1 capital ratio of 13.3% and an NPL ratio of 0.00%.