Total Assets
$107M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Zenith Bank & Trust — FDIC Bank Health Profile
Scottsdale, Arizona · Est. 2023. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #59318 San Francisco Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — Zenith Bank & Trust
Total Deposits
$83M
Customer-funded liabilities
Net Loans
$52M
Outstanding loan book
Net Income
$-101K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
34.25% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
34.25%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$22M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-0.09%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-0.47%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
91.25%
Income & Expense Breakdown
$6M
Interest Income
$172K
Non-Interest Income
$3M
Non-Interest Expense
FDIC Deposit Insurance
Zenith Bank & Trust is FDIC-insured (Certificate #59318). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Zenith Bank & Trust
Zenith Bank & Trust is an FDIC-insured institution (Certificate #59318) headquartered in Scottsdale, Arizona, established in 2023. The bank currently holds $107M in total assets and $83M in customer deposits, with $52M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Zenith Bank & Trust reports a Tier 1 Capital Ratio of 34.25% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $22M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -0.09% and a Return on Equity of -0.47%, with an Efficiency Ratio of 91.25% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Zenith Bank & Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Arizona by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Zenith Bank & Trust (FDIC Cert #59318) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| USAA Federal Savings Bank Phoenix | $108.0B | C | 0.40% |
| Western Alliance Bank Phoenix | $92.7B | C | 1.10% |
| BNC National Bank Glendale | $1.1B | C | 1.00% |
| Southwest Heritage Bank Scottsdale | $894M | C | 0.97% |
| 1st Bank Yuma Yuma | $553M | F | 1.81% |
| Goldwater Bank, N.A. Phoenix | $515M | F | 0.85% |
| Gateway Commercial Bank Mesa | $228M | F | 1.16% |
| Mission Bank Kingman | $186M | D | 0.37% |
Frequently Asked Questions
What is Zenith Bank & Trust's health grade? ▼
Zenith Bank & Trust receives a health grade of D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Zenith Bank & Trust? ▼
Zenith Bank & Trust holds $107M in total assets and $83M in deposits. It is headquartered in Scottsdale, Arizona.
Is my money safe at Zenith Bank & Trust? ▼
Yes. Zenith Bank & Trust is FDIC-insured (Certificate #59318). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Zenith Bank & Trust's Tier 1 Capital Ratio? ▼
Zenith Bank & Trust has a Tier 1 Capital Ratio of 34.25%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Zenith Bank & Trust? ▼
Zenith Bank & Trust has an Efficiency Ratio of 91.25%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.