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Zenith Bank & Trust
Scottsdale, AZ · FDIC Certificate #59318 · Chartered 10/0
Total assets
$132.99M
Total deposits
$109.75M
Total equity
$21.59M
Net loans
$76.37M
Branches (offices)
1
Net income (YTD)
$46.00K
Rank: #3,446 of 4,213 U.S. banks by assets · #9 of 12 in Arizona. Assets changed 21.4% and deposits 27.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.08% |
| Return on equity | 0.43% |
| Net interest margin (YTD) | 3.35% |
| Equity to assets | 16.24% |
| Tier 1 leverage ratio | 17.91% |
| Uninsured deposits (share of deposits) | 60.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.6% |
| Real estate loans (share of loans) | 79.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $60.62M | 79.4% | |
| Commercial & industrial | $11.20M | 14.7% | |
| Consumer / individual | $5.25M | 6.9% | |
| Construction & development | $3.58M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2024 | $63.01M | $39.47M | -$37.00K | $21.84M |
| Jun 2025 | $109.55M | $86.14M | -$126.00K | $21.51M |
| Jun 2026 | $132.99M | $109.75M | $46.00K | $21.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arizona | $109.75M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $109.75M.
Similar-sized banks
The Iuka State Bank ($133.02M) · The First National Bank Of Ely ($132.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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