Side-by-side · Q2 2026 data
Goldwater Bank, N.A. vs Zenith Bank & Trust
Metric by metric
| Measure | Goldwater Bank, N.A. | Zenith Bank & Trust |
|---|---|---|
| TellerScore | 35 | 76 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 45 (stronger) | 23 |
| Funding & liquidity | 22 | 41 (stronger) |
| Problem-loan coverage | 42 | 100 (stronger) |
| Peer percentile | 1st | 64th |
| Total assets | $551.9M | $133.0M |
| Deposits / shares | $408.3M | $109.8M |
| Capital ratio | 11.13% | 17.91% (stronger) |
| Problem loans | 4.14% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.63% (stronger) | 0.08% |
| Loans ÷ deposits | 110.7% | 69.6% (stronger) |
| Uninsured deposits | 40.5% (stronger) | 60.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
Zenith Bank & Trust has the higher TellerScore (76 vs 35). On the 7 directional measures above (where higher or lower is clearly better), Goldwater Bank, N.A. leads on 2 and Zenith Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.