ZENITH BANK & TRUST

SCOTTSDALE, AZ · Supervised by FDIC

Est. 2023FDIC #59,318RSSD: FDIC-59318

Part ofVB&T HOLDING CO LLC→ View all charters

Needs to Improve

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.11%

Institution Profile

FDIC BankFind

Website

www.zenithprivate.com

Address

4900 N Scottsdale Rd, SCOTTSDALE, AZ

County

Maricopa County

Established

October 2, 2023

Total Assets

$123M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

March 1, 2026

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$123M

Total Deposits

$99M

Net Loans

$59M

Net Income

$31K

ROA

0.11%

ROE

0.57%

Risk-Based Capital

35.50%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$86M

1-Year Change

5-year net change: +1 branches

This is the only examination on record for this bank.

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