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BDI
ZB

Zenith Bank & Trust

Scottsdale, ArizonaFDIC Cert #59318

STATEEstablished 20231 branch

Holding company: VB&T HOLDING CO LLCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q4 2023$43.3M$19.7M
Q1 2024$66.6M$42.9M
Q2 2024$63M$39.5M
Q3 2024$65.5M$41.9M
Q4 2024$91.8M$68.4M
Q1 2025$117M$93.7M
Q2 2025$110M$86.1M
Q3 2025$116M$92.4M
Q4 2025$107M$83.3M
Q1 2026$123M$99.3M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$123M
+4.8%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICASSET
Deposits
$99.3M
+5.9%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICDEP
Gross loans
$59.5M
+46.5%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSGR
Net loans
$58.9M
+46.3%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET
Securities
$1.42M
−70.9%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICSC
Cash
$60.4M
−13.7%y/y
Percentile by value80th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICCHBAL
Liabilities
$101M
+5.8%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLIAB
Equity
$21.6M
+0.6%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$1M
+11.3%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNIM + NONII
NII
$964K
+15.3%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNIM
Noninterest income
$38K
−40.6%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNONII
Provision
$50K
−65.3%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICELNATR
Pretax income
$31K
+115.6%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICPTAXNETINC
Net income
$31K
+115.6%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICNETINC