VB&T HOLDING CO LLC is the parent banking group. ZENITH BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

VB&T HOLDING CO LLC

Legal name: VB&T HOLDING COMPANY LLC

1 active bank · $123M combined assets

RSSD ID: 5805433 (FFIEC NIC)

Combined Assets

$123M

CRA Rating Summary

Needs to Improve1charter

Across all 1 exams on record for this banking group's charters, 0% resulted in Outstanding or Satisfactory.

Primary bankZENITH BANK & TRUSTSCOTTSDALE, AZNeeds to Improve$123MView profile →

At a Glance

Dominant CRA Rating

Needs to Improve

1 of 1 bank · Falls short on community lending

Combined Assets

$123M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$99M

Net Income

$31K

ROA (avg)

0.11%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
ZENITH BANK & TRUST	SCOTTSDALE, AZ	FDIC	$123M	100.0%	Needs to Improve	Mar 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.