Zenith Bank & Trust is a state-chartered bank headquartered in Scottsdale, Arizona. At the end of Q2 2026 it reported $133.0M in total assets and $109.8M in deposits, with 1 office.
Based on its Q2 2026 filing, Zenith Bank & Trust scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Arizona, it ranks 1st. Its strongest component is capital cushion (100/100; 17.91%), and its lowest is earnings (23/100; 0.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 35.50% |
| Q3 2024 | 33.94% |
| Q4 2024 | 26.85% |
| Q1 2025 | 19.90% |
| Q2 2025 | 19.19% |
| Q3 2025 | 19.05% |
| Q4 2025 | 19.47% |
| Q1 2026 | 18.75% |
| Q2 2026 | 17.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.13% |
| Q3 2024 | -0.14% |
| Q4 2024 | -0.35% |
| Q1 2025 | -0.76% |
| Q2 2025 | -0.24% |
| Q3 2025 | -0.14% |
| Q4 2025 | -0.09% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $133.0M | 17.91% | 0.00% | 0.08% | 69.6% |
| Q1 2026 | 77 | $122.6M | 18.75% | 0.00% | 0.11% | 59.3% |
| Q4 2025 | 75 | $106.6M | 19.47% | 0.00% | -0.09% | 62.6% |
| Q3 2025 | 75 | $116.0M | 19.05% | 0.00% | -0.14% | 54.7% |
| Q2 2025 | 75 | $109.5M | 19.19% | 0.00% | -0.24% | 45.1% |
| Q1 2025 | 73 | $117.0M | 19.90% | 0.00% | -0.76% | 43.0% |
| Q4 2024 | 74 | $91.8M | 26.85% | 0.00% | -0.35% | 37.5% |
| Q3 2024 | 75 | $65.5M | 33.94% | 0.00% | -0.14% | 28.9% |
| Q2 2024 | 76 | $63.0M | 35.50% | 0.00% | -0.13% | 29.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arizona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Scottsdale Community BankBank Scottsdale, AZ | 38 out of 100, Low | $125.2M | 11.4% | 2.68% | vs |
| Gainey Business BankBank Scottsdale, AZ | 67 out of 100, Moderate | $106.6M | 12.9% | 0.07% | vs |
| Mission BankBank Kingman, AZ | 70 out of 100, Strong | $185.1M | 9.4% | 0.00% | vs |
| Integro BankBank Phoenix, AZ | 25 out of 100, Low | $195.6M | 9.9% | 3.71% | vs |
| Gateway Commercial BankBank Mesa, AZ | 68 out of 100, Moderate | $231.4M | 12.0% | 1.24% | vs |
| Goldwater Bank, N.A.Bank Phoenix, AZ | 35 out of 100, Low | $551.9M | 11.1% | 4.14% | vs |
Deposit insurance
Is my money safe at Zenith Bank & Trust?
Yes. Zenith Bank & Trust is an FDIC-insured institution (FDIC certificate #59318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 60.5% of deposits ($66.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.20% (benchmark: 10%).
1 location
Branches
Zenith Bank & Trust lists 1 office in 1 city. Most locations:
- Scottsdale, AZ (1)
Identity & history
Profile
- Legal name
- Zenith Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 59318
- RSSD ID
- 5805442
- Primary regulator
- FDIC
- Holding company
- Vb&t Holding Co Llc
- Established
- October 2, 2023
- Headquarters
- 4900 N Scottsdale Rd, Scottsdale, AZ 85251
- Website
- www.zenithprivate.com
- Employees
- 11
Quick answers
Zenith Bank & Trust: common questions
Is Zenith Bank & Trust FDIC insured?
Yes. Zenith Bank & Trust is an FDIC-insured institution (FDIC certificate #59318). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Zenith Bank & Trust's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Zenith Bank & Trust ever failed?
There is no failure record for FDIC certificate #59318 in the FDIC failed bank list.
How many branches does Zenith Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Scottsdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |
| Em Federal Credit UnionCredit union Mesa, AZ | 86 out of 100, Very strong | $11.7M | 15.7% | 0.24% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |
| Desert Financial Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $9.9B | 12.1% | 0.47% | vs |
| Banner Federal Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $65.2M | 13.5% | 0.70% | vs |