Zenith Bank & Trust
BankRegReports is independent of Zenith Bank & Trust and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Zenith Bank & Trust is an FDIC-insured commercial bank headquartered in Scottsdale, AZ, established in 2023 (FDIC certificate 59318), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $133.0M, up 21.4% from Q2 2025, the 9th largest of 12 banks headquartered in Arizona. Its CET1 capital ratio was 28.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59318
- Headquarters
- Scottsdale, AZ
- Established
- 2023
- Total assets, Q2 2026
- $133.0M
- Assets vs Q2 2025
- +21.4%
- CET1 ratio, Q2 2026
- 28.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122106507
- Holding company
- VB&T HOLDING COMPANY LLC
- Asset rank in state
- 9th of 12 in Arizona
Zenith Bank & Trust spends more to run itself than most banks of its size. Based in Scottsdale, Arizona, it had $133 million in assets at June 30, 2026, up 21.4% from a year earlier. It earns about $0.05 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $15,000 was 79% below a year earlier. Its margin is thin by comparison: it keeps 3.41 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Zenith Bank & Trust reported a CET1 capital ratio of 28.25%, a return on assets of 0.05%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Zenith Bank & Trust is the 9th largest of the 12 banks headquartered in Arizona. Between Q1 2026 and Q2 2026, its total assets rose 8.5% to $133.0M, loans rose 29.6% and deposits rose 10.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.5% of total loans, followed by 1-4 family residential loans at 24.3%. Its one office in the FDIC Summary of Deposits is in Scottsdale, AZ. On its Q2 2026 call report, Zenith Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4900 N Scottsdale Rd, Scottsdale, AZ 85251
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 2, 2023
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $109.8M
- Allowance for credit losses
- $699K
- Net charge-offs (YTD)
- $0
- Average total assets
- $120.6M
- Average total loans
- $64.7M
- Average interest-bearing deposits
- $71.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 2, 2023
- FDIC Cert
- 59318
- Fed RSSD
- 5805442
- SEC CIK
- 1994718 → filed by VB&T HOLDING COMPANY LLC
- Website
- www.zenithprivate.com →
- Parent Holding Company
- VB&T HOLDING COMPANY LLC (RSSD 5805433)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Zenith Bank & Trust's total assets moved between a low of $63.0M (Q2 2024) and a high of $133.0M (Q2 2026) from Q1 2024 to Q2 2026, and it earned a profit in 5 of the 10 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$133.0M total assets against $109.5M; $111.4M total liabilities against $88.0M.
$76.4M net loans and leases against $38.8M; $109.8M total deposits against $86.1M.
$1.5M securities against $4.8M; $53.1M cash and balances due against $64.2M.
$1.5M total interest income against $1.4M; $527K total interest expense against $549K.
$1.0M net interest income against $869K.
$38K total noninterest income against $26K; $882K total noninterest expense against $846K.
$129K provision for credit losses against $29K.
$15K net income against $73K.
0.05% return on assets against 0.26%; 3.41% net interest margin against 3.17%.
28.25% CET1 capital ratio against 51.23%; 17.91% tier 1 leverage ratio against 19.19%.
Inside the full Zenith Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeZenith Bank & Trust rankings
Its closest position to the top of a national ranking is 103 of 2,134, for CET1 ratio; its furthest is 3,599 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.83% (Q4 2024) to 0.26% (Q2 2025) and its net interest margin ran from 3.17% (Q2 2025) to 3.99% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.25% | 0.05% | 0.00% | 0.00% | 3.41% |
| Q1 2026 | 34.54% | 0.11% | 0.00% | 0.00% | 3.42% |
| Q4 2025 | 34.25% | 0.06% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 39.75% | 0.03% | 0.00% | 0.00% | 3.27% |
| Q2 2025 | 51.23% | 0.26% | 0.00% | 0.00% | 3.17% |
| Q1 2025 | 53.66% | -0.74% | 0.00% | 0.00% | 3.18% |
| Q4 2024 | 92.31% | -0.83% | 0.00% | 0.00% | 3.36% |
| Q3 2024 | 184.96% | -0.16% | 0.00% | 0.00% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Zenith Bank & Trust (main office) | Scottsdale , AZ | 85251 | $109.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AZ, rank 46 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Consumer complaints
- 2 complaints in the last 2 full quarters. Raw counts, not adjusted for size
- Period: 2023-Q4 to 2025-Q4. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Zenith Bank & Trust’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Zenith Bank & Trust
What are Zenith Bank & Trust's total assets?
As of the Q2 2026 filing, Zenith Bank & Trust reported total assets of $133.0 million in its FFIEC call report.
Where is Zenith Bank & Trust headquartered?
It is headquartered in Scottsdale, AZ, United States.
When was Zenith Bank & Trust founded?
It was established in 2023, per the FDIC institution directory.
Is Zenith Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Zenith Bank & Trust?
Zenith Bank & Trust's primary federal regulator is the FDIC.
What is Zenith Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Zenith Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Zenith Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Zenith Bank & Trust.
Get an email when Zenith Bank & Trust files its next call report, and benchmark it against any peer you choose.
Unlock Zenith Bank & Trust, freeFree account