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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$10.8M
Investor CRE$13.3M
Multifamily$3.65M
Construction$2.25M
1–4 family$17.6M
C&I$4.88M
Agriculture$0
Other$7.05M

Loan book

Reported balances and balance-sheet intensity.

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
Loans YoY
+46.29%
−86.9%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET
L/D
59.3%
+38.1%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 + DEP
Loans/assets
48.0%
+39.5%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET + ASSET
RE loans %
86.00%
+33.7%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
86%
+54.9%y/y

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
10%
+88.5%y/y

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,859points
+10.8%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
18.08%
+969.8%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
FDICLNRENROW + LNLSGR
Investor CRE %
22.31%
+24.4%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
FDICLNRENROT + LNLSGR
C&I %
8.20%
−65.2%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
FDICLNCI + LNLSGR