Zenith Bank&Trust vs Scottsdale Community Bank
Side-by-side bank health comparison using FDIC financial data
Zenith Bank&Trust (A) and Scottsdale Community Bank (A) are close on the BankHealth rubric. Asset bases: $63M versus $62M.
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
Zenith Bank&Trust has a stronger Bank Health Score of 91/100 (A) compared to Scottsdale Community Bank at 87/100 (A), a difference of 4 points. Zenith Bank&Trust holds a Tier 1 capital ratio of 195.3% and an NPL ratio of 0.00%.
| Metric | Zenith Bank&Trust | Scottsdale Community Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 91/100 (A)* | 87/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 195.3%* | 25.1% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 78.9%* | 27.3% |
| Return on Assets Profitability metric (above 1% is strong) | -0.1%* | -2.2% |
| Total Assets | $63M | $62M |
| Total Deposits | $39M | $40M |
| Location | Scottsdale, Arizona | Scottsdale, Arizona |
Zenith Bank&Trust has a stronger Bank Health Score of 91/100 (A) compared to Scottsdale Community Bank at 87/100 (A), a difference of 4 points. Zenith Bank&Trust holds a Tier 1 capital ratio of 195.3% and an NPL ratio of 0.00%.