Zenith Bank & Trust
Scottsdale, AZ
IDRSSD: 5805442
Total Assets
$115.96M
Latest filing
Total Deposits
$92.45M
Latest filing
Net Interest Margin
3.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Zenith Bank & Trust
4900 N Scottsdale Rd
Scottsdale, AZ 85251
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Similar banks
Scottsdale Community Bank
Scottsdale, Arizona
→
Assets: $91.15MΔ -16.8%
Gainey Business Bank
Scottsdale, Arizona
→
Assets: $68.28MΔ -37.7%
Southwest Heritage Bank
Scottsdale, Arizona
→
Assets: $927.52MΔ +746.7%
Integro Bank
Phoenix, Arizona
→
Assets: $138.15MΔ +26.1%
West Valley National Bank
Goodyear, Arizona
→
Assets: $72.81MΔ -33.5%
Mission Bank
Kingman, Arizona
→
Assets: $190.38MΔ +73.8%
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 | 11/14/2025 |
| CERT | 59318 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $115.96M |
| Total Deposits | $92.45M |
| Total Liabilities | $94.42M |
| Total Equity Capital | $21.55M |
| Net Income | $8.00k |
| Net Loans and Leases | $50.56M |
| Assets Per Employee ($Millions) | $11.6M |
| Bank Premises and Fixed Assets | $1.43M |
| Cash and Balances due from Depository Institutions | $59.64M |
| Deposits Held in Domestic Offices | $92.45M |
Key Performance Ratios
| Return on Assets (ROA) | 0.03% |
| Return on Equity (ROE) | 0.15% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 83.83% |
| Tier 1 Risk-Based Capital Ratio | 39.752% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.58% |
| Earning Assets to total Assets | 97.67% |
Income and Expense
| Total Interest Income | $1.48M |
| Total Noninterest Income | $30.00k |
| Total Interest Expense | $571.00k |
| Total Noninterest Expense | $783.00k |
| Net Interest Income | $904.00k |
| Pre-tax Net Operating Income | $9.00k |
| Provision for Credit Losses | $142.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $1.97M |
| Total Liabilities and Capital | $115.96M |
Securities
| Securities | $3.96M |
| Available-for-sale debt securities | $3.96M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$115.96M as of the latest filing.
How much are Zenith Bank & Trust's total deposits?
$92.45M in total deposits.
Where is Zenith Bank & Trust located?
Scottsdale, AZ.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
1.
When was it established?
10/02/2023.
What is the Return on Assets (ROA)?
0.03%.
How much are total loans and leases?
$50.56M (latest filing).
What is the total interest income (latest filing)?
$1.48M.