Zenith Bank & Trust
Scottsdale, AZ
IDRSSD: 5805442
Total Assets
$106.59M
Latest filing
Total Deposits
$83.28M
Latest filing
Net Interest Margin
3.53%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
122106507SCOTTSDALE, AZ
Key People
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Locations
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Main Office
Zenith Bank & Trust
4900 N Scottsdale Rd
Scottsdale, AZ 85251
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/02/2023FDIC Certificate 647694
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Zenith Bank & Trust (Main) | 4900 N Scottsdale Rd | Scottsdale, AZ | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/02/2023 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 85251 |
| State and County Number | 04013 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Phoenix-Mesa-Chandler, AZ |
Operational Info
| Number of Employees | 10 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 10/02/2023 |
| Primary Insurance Agency | DIF |
| Website | www.zenithprivate.com |
| Data Updated | 01/30/2026 |
| CERT | 59318 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $106.59M |
| Total Deposits | $83.28M |
| Total Liabilities | $85.02M |
| Total Equity Capital | $21.57M |
| Net Income | $17.00k |
| Net Loans and Leases | $52.13M |
| Assets Per Employee ($Millions) | $9.69M |
| Bank Premises and Fixed Assets | $1.39M |
| Cash and Balances due from Depository Institutions | $50.95M |
| Deposits Held in Domestic Offices | $83.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.06% |
| Return on Equity (ROE) | 0.32% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 81.96% |
| Tier 1 Risk-Based Capital Ratio | 34.249% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.232% |
| Earning Assets to total Assets | 97.33% |
Income and Expense
| Total Interest Income | $1.45M |
| Total Noninterest Income | $52.00k |
| Total Interest Expense | $494.00k |
| Total Noninterest Expense | $827.00k |
| Net Interest Income | $957.00k |
| Pre-tax Net Operating Income | $149.00k |
| Provision for Credit Losses | $33.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.74M |
| Total Liabilities and Capital | $106.59M |
Securities
| Securities | $1.55M |
| Available-for-sale debt securities | $1.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Zenith Bank & Trust?
$106.59M as of the latest filing.
How much are Zenith Bank & Trust's total deposits?
$83.28M in total deposits.
Where is Zenith Bank & Trust located?
Scottsdale, AZ.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
1.
When was it established?
10/02/2023.
What is the Return on Assets (ROA)?
0.06%.
How much are total loans and leases?
$52.13M (latest filing).
What is the total interest income (latest filing)?
$1.45M.