Side-by-side · Q2 2026 data
Gainey Business Bank vs Zenith Bank & Trust
Metric by metric
| Measure | Gainey Business Bank | Zenith Bank & Trust |
|---|---|---|
| TellerScore | 67 | 76 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 17 | 23 (stronger) |
| Funding & liquidity | 36 | 41 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 34th | 64th |
| Total assets | $106.6M | $133.0M |
| Deposits / shares | $89.7M | $109.8M |
| Capital ratio | 12.89% | 17.91% (stronger) |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.42% | 0.00% (stronger) |
| Return on assets | -0.07% | 0.08% (stronger) |
| Loans ÷ deposits | 106.0% | 69.6% (stronger) |
| Uninsured deposits | 31.4% (stronger) | 60.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zenith Bank & Trust has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gainey Business Bank leads on 1 and Zenith Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.