ZENITH BANK & TRUST

SCOTTSDALE, AZ | Small | Est. Oct. 2, 2023, midnight | FDIC #59318 | RSSD #5805442 | FDIC
Latest Report: 2025-12-31

ZENITH BANK & TRUST is asn small FDIC-insured commercial bank headquartered in SCOTTSDALE, AZ, established in Oct. 2, 2023, midnight. As of 2025-12-31, the bank reported total assets of $107M and total deposits of $83M. Profitability stands at 0.06% ROA and 0.32% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 34.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59318.

Assets

$107M

Deposits

$83M

Loans

$53M

Equity

$22M

Profitability

Return on Assets (ROA) 0.06%
Return on Equity (ROE) 0.32%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.67%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 34.25%
Tier 1 Capital 34.25%
Total Capital Ratio 35.12%
Leverage Ratio 19.47%
Loan-to-Deposit 63.22%

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