Home > Zenith Bank & Trust > Assets and Liabilities
Zenith Bank & Trust, Assets and Liabilities
| 2025-03-31 | Rank | |
| # of Employees: | 11 | 4,018 |
| Assets and Liabilities | ||
| Total Assets: | $116,961,000 | 3,683 |
| Cash and due from depository institutions | $69,911,000 | 4,018 |
| Interest-bearing balances | $69,043,000 | 958 |
| Securities | $4,896,000 | 4,100 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,907 |
| Net loans & leases | $40,260,000 | 3,951 |
| Loan loss allowance | $330,000 | 4,089 |
| Trading account assets | $0 | 210 |
| Bank premises and fixed assets | $1,526,000 | 3,265 |
| Other real estate owned | $0 | 4,018 |
| Goodwill and other intangibles | $0 | 2,242 |
| All other assets | $368,000 | 4,392 |
| Life insurance assets | $0 | 2,984 |
| Total liabilities and capital | $116,961,000 | 3,653 |
| Total liabilities | $95,518,000 | 3,705 |
| Total deposits | $93,718,000 | 3,702 |
| Interest-bearing deposits | $70,963,000 | 3,646 |
| Deposits held in domestic offices | $93,718,000 | 3,702 |
| % insured | 25.62% | 4,389 |
| Federal funds purchased & repurchase agreements | $0 | 874 |
| Trading liabilities | $0 | 203 |
| Other borrowed funds | $0 | 2,578 |
| Subordinated debt | $0 | 64 |
| All other liabilities | $1,800,000 | 2,588 |
| Total equity capital | $21,443,000 | 2,944 |
| Total bank equity capital | $21,443,000 | 2,975 |
| Perpetual preferred stock | $0 | 114 |
| Common stock | $22,000,000 | 211 |
| Surplus | $0 | 4,154 |
| Undivided profits | $-557,000 | 4,197 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 139 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,779 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 582 |
| Income earned, not collected on loans | $163,000 | 4,264 |
| Earning assets | $114,199,000 | 3,605 |
| Long-term assets (5+ years) | $12,239,000 | 3,873 |
| Average Assets, year-to-date | $104,399,500 | 3,743 |
| Average Assets, quarterly | $104,399,500 | 3,743 |
| Volatile liabilities | $12,059,000 | 3,243 |
| Insider loans | $0 | 3,851 |
| FHLB advances | $0 | 2,381 |
| Loans and leases held for sale | $0 | 1,097 |
| Unused loan commitments | $20,381,000 | 2,742 |
| Tier 1 (core) risk-based capital | $21,450,000 | 3,144 |
| Tier 2 risk-based capital | $345,000 | 2,515 |
| Total risk weighted assets | $39,973,000 | 2,537 |
| Total unused commitments | $20,381,000 | 2,742 |
| Derivatives | $0 | 1,188 |
| 2024-12-31 | Rank | |
| # of Employees: | 12 | 3,989 |
| Assets and Liabilities | ||
| Total Assets: | $91,838,000 | 3,899 |
| Cash and due from depository institutions | $61,190,000 | 3,989 |
| Interest-bearing balances | $60,365,000 | 950 |
| Securities | $2,994,000 | 4,206 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,818 |
| Net loans & leases | $25,650,000 | 4,156 |
| Loan loss allowance | $191,000 | 4,248 |
| Trading account assets | $0 | 218 |
| Bank premises and fixed assets | $1,574,000 | 3,258 |
| Other real estate owned | $0 | 3,989 |
| Goodwill and other intangibles | $0 | 2,257 |
| All other assets | $430,000 | 4,392 |
| Life insurance assets | $0 | 3,000 |
| Total liabilities and capital | $91,838,000 | 3,861 |
| Total liabilities | $70,194,000 | 3,950 |
| Total deposits | $68,436,000 | 3,956 |
| Interest-bearing deposits | $51,443,000 | 3,902 |
| Deposits held in domestic offices | $68,436,000 | 3,956 |
| % insured | 30.22% | 4,400 |
| Federal funds purchased & repurchase agreements | $0 | 983 |
| Trading liabilities | $0 | 203 |
| Other borrowed funds | $0 | 2,697 |
| Subordinated debt | $0 | 63 |
| All other liabilities | $1,758,000 | 2,614 |
| Total equity capital | $21,644,000 | 2,891 |
| Total bank equity capital | $21,644,000 | 2,915 |
| Perpetual preferred stock | $0 | 114 |
| Common stock | $22,000,000 | 203 |
| Surplus | $0 | 4,173 |
| Undivided profits | $-356,000 | 4,177 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 141 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,777 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 597 |
| Income earned, not collected on loans | $121,000 | 4,325 |
| Earning assets | $89,009,000 | 3,830 |
| Long-term assets (5+ years) | $9,878,000 | 3,982 |
| Average Assets, year-to-date | $66,043,800 | 4,083 |
| Average Assets, quarterly | $78,675,500 | 3,969 |
| Volatile liabilities | $2,035,000 | 4,180 |
| Insider loans | $0 | 3,880 |
| FHLB advances | $0 | 2,480 |
| Loans and leases held for sale | $0 | 1,099 |
| Unused loan commitments | $17,490,000 | 2,859 |
| Tier 1 (core) risk-based capital | $21,649,000 | 3,137 |
| Tier 2 risk-based capital | $201,000 | 2,641 |
| Total risk weighted assets | $23,453,000 | 2,670 |
| Total unused commitments | $17,490,000 | 2,860 |
| Derivatives | $0 | 1,188 |
| 2024-09-30 | Rank | |
| # of Employees: | 11 | 4,057 |
| Assets and Liabilities | ||
| Total Assets: | $65,513,000 | 4,158 |
| Cash and due from depository institutions | $48,547,000 | 4,057 |
| Interest-bearing balances | $47,831,000 | 1,135 |
| Securities | $2,997,000 | 4,245 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,851 |
| Net loans & leases | $12,101,000 | 4,331 |
| Loan loss allowance | $78,000 | 4,374 |
| Trading account assets | $0 | 215 |
| Bank premises and fixed assets | $1,616,000 | 3,241 |
| Other real estate owned | $0 | 4,057 |
| Goodwill and other intangibles | $0 | 2,282 |
| All other assets | $252,000 | 4,465 |
| Life insurance assets | $0 | 3,029 |
| Total liabilities and capital | $65,513,000 | 4,115 |
| Total liabilities | $43,690,000 | 4,232 |
| Total deposits | $41,932,000 | 4,253 |
| Interest-bearing deposits | $31,740,000 | 4,186 |
| Deposits held in domestic offices | $41,932,000 | 4,253 |
| % insured | 33.50% | 4,424 |
| Federal funds purchased & repurchase agreements | $0 | 984 |
| Trading liabilities | $0 | 203 |
| Other borrowed funds | $0 | 2,870 |
| Subordinated debt | $0 | 69 |
| All other liabilities | $1,758,000 | 2,722 |
| Total equity capital | $21,823,000 | 2,936 |
| Total bank equity capital | $21,823,000 | 2,968 |
| Perpetual preferred stock | $0 | 114 |
| Common stock | $22,000,000 | 204 |
| Surplus | $0 | 4,205 |
| Undivided profits | $-177,000 | 4,248 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 146 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,821 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 591 |
| Income earned, not collected on loans | $76,000 | 4,401 |
| Earning assets | $62,929,000 | 4,094 |
| Long-term assets (5+ years) | $1,354,000 | 4,341 |
| Average Assets, year-to-date | $59,595,250 | 4,157 |
| Average Assets, quarterly | $64,263,000 | 4,130 |
| Volatile liabilities | $2,006,000 | 4,217 |
| Insider loans | $0 | 3,904 |
| FHLB advances | $0 | 2,544 |
| Loans and leases held for sale | $0 | 1,186 |
| Unused loan commitments | $15,731,000 | 2,973 |
| Tier 1 (core) risk-based capital | $21,816,000 | 3,116 |
| Tier 2 risk-based capital | $88,000 | 2,741 |
| Total risk weighted assets | $11,795,000 | 2,783 |
| Total unused commitments | $15,731,000 | 2,974 |
| Derivatives | $0 | 1,205 |
| 2024-06-30 | Rank | |
| # of Employees: | 10 | 4,136 |
| Assets and Liabilities | ||
| Total Assets: | $63,013,000 | 4,191 |
| Cash and due from depository institutions | $49,688,000 | 4,136 |
| Interest-bearing balances | $48,930,000 | 1,042 |
| Securities | $0 | 4,415 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,862 |
| Net loans & leases | $11,496,000 | 4,361 |
| Loan loss allowance | $74,000 | 4,388 |
| Trading account assets | $0 | 220 |
| Bank premises and fixed assets | $1,656,000 | 3,237 |
| Other real estate owned | $0 | 4,136 |
| Goodwill and other intangibles | $0 | 2,284 |
| All other assets | $173,000 | 4,512 |
| Life insurance assets | $0 | 3,043 |
| Total liabilities and capital | $63,013,000 | 4,147 |
| Total liabilities | $41,170,000 | 4,274 |
| Total deposits | $39,466,000 | 4,300 |
| Interest-bearing deposits | $29,874,000 | 4,220 |
| Deposits held in domestic offices | $39,466,000 | 4,300 |
| % insured | 31.41% | 4,452 |
| Federal funds purchased & repurchase agreements | $0 | 1,057 |
| Trading liabilities | $0 | 206 |
| Other borrowed funds | $0 | 2,992 |
| Subordinated debt | $0 | 66 |
| All other liabilities | $1,704,000 | 2,669 |
| Total equity capital | $21,843,000 | 2,830 |
| Total bank equity capital | $21,843,000 | 2,866 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $22,000,000 | 203 |
| Surplus | $0 | 4,230 |
| Undivided profits | $-157,000 | 4,170 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 146 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,812 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 586 |
| Income earned, not collected on loans | $73,000 | 4,417 |
| Earning assets | $60,426,000 | 4,131 |
| Long-term assets (5+ years) | $1,395,000 | 4,356 |
| Average Assets, year-to-date | $57,622,667 | 4,201 |
| Average Assets, quarterly | $64,790,000 | 4,133 |
| Volatile liabilities | $1,988,000 | 4,211 |
| Insider loans | $0 | 3,923 |
| FHLB advances | $0 | 2,615 |
| Loans and leases held for sale | $0 | 1,161 |
| Unused loan commitments | $14,980,000 | 3,035 |
| Tier 1 (core) risk-based capital | $21,843,000 | 3,104 |
| Tier 2 risk-based capital | $84,000 | 2,760 |
| Total risk weighted assets | $11,186,000 | 2,808 |
| Total unused commitments | $14,980,000 | 3,035 |
| Derivatives | $0 | 1,209 |
| 2024-03-31 | Rank | |
| # of Employees: | 9 | 4,199 |
| Assets and Liabilities | ||
| Total Assets: | $66,567,000 | 4,182 |
| Cash and due from depository institutions | $55,699,000 | 4,199 |
| Interest-bearing balances | $54,975,000 | 993 |
| Securities | $0 | 4,442 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,910 |
| Net loans & leases | $8,888,000 | 4,408 |
| Loan loss allowance | $57,000 | 4,426 |
| Trading account assets | $0 | 215 |
| Bank premises and fixed assets | $1,781,000 | 3,181 |
| Other real estate owned | $0 | 4,199 |
| Goodwill and other intangibles | $0 | 2,296 |
| All other assets | $199,000 | 4,525 |
| Life insurance assets | $0 | 3,066 |
| Total liabilities and capital | $66,567,000 | 4,139 |
| Total liabilities | $44,700,000 | 4,262 |
| Total deposits | $42,945,000 | 4,289 |
| Interest-bearing deposits | $36,979,000 | 4,158 |
| Deposits held in domestic offices | $42,945,000 | 4,289 |
| % insured | 27.22% | 4,459 |
| Federal funds purchased & repurchase agreements | $0 | 987 |
| Trading liabilities | $0 | 166 |
| Other borrowed funds | $0 | 2,975 |
| Subordinated debt | $0 | 67 |
| All other liabilities | $1,755,000 | 2,598 |
| Total equity capital | $21,867,000 | 2,860 |
| Total bank equity capital | $21,867,000 | 2,853 |
| Perpetual preferred stock | $0 | 117 |
| Common stock | $22,000,000 | 162 |
| Surplus | $0 | 4,252 |
| Undivided profits | $-133,000 | 4,181 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 149 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,833 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 591 |
| Income earned, not collected on loans | $69,000 | 4,448 |
| Earning assets | $63,863,000 | 4,095 |
| Long-term assets (5+ years) | $1,425,000 | 4,384 |
| Average Assets, year-to-date | $54,927,500 | 4,249 |
| Average Assets, quarterly | $54,927,500 | 4,249 |
| Volatile liabilities | $1,979,000 | 4,188 |
| Insider loans | $0 | 3,933 |
| FHLB advances | $0 | 2,533 |
| Loans and leases held for sale | $0 | 1,118 |
| Unused loan commitments | $12,499,000 | 3,220 |
| Tier 1 (core) risk-based capital | $21,867,000 | 3,095 |
| Tier 2 risk-based capital | $67,000 | 2,785 |
| Total risk weighted assets | $7,528,000 | 2,847 |
| Total unused commitments | $12,499,000 | 3,220 |
| Derivatives | $0 | 1,191 |
| 2023-12-31 | Rank | |
| # of Employees: | 9 | 4,226 |
| Assets and Liabilities | ||
| Total Assets: | $43,288,000 | 4,408 |
| Cash and due from depository institutions | $35,713,000 | 4,226 |
| Interest-bearing balances | $35,365,000 | 1,259 |
| Securities | $0 | 4,456 |
| Federal funds sold & reverse repurchase agreements | $0 | 1,820 |
| Net loans & leases | $5,595,000 | 4,455 |
| Loan loss allowance | $14,000 | 4,454 |
| Trading account assets | $0 | 214 |
| Bank premises and fixed assets | $1,790,000 | 3,176 |
| Other real estate owned | $0 | 4,226 |
| Goodwill and other intangibles | $0 | 2,295 |
| All other assets | $190,000 | 4,551 |
| Life insurance assets | $0 | 3,088 |
| Total liabilities and capital | $43,288,000 | 4,364 |
| Total liabilities | $21,408,000 | 4,452 |
| Total deposits | $19,658,000 | 4,482 |
| Interest-bearing deposits | $15,595,000 | 4,409 |
| Deposits held in domestic offices | $19,658,000 | 4,482 |
| % insured | 35.29% | 4,480 |
| Federal funds purchased & repurchase agreements | $0 | 1,169 |
| Trading liabilities | $0 | 165 |
| Other borrowed funds | $0 | 3,039 |
| Subordinated debt | $0 | 69 |
| All other liabilities | $1,750,000 | 2,554 |
| Total equity capital | $21,880,000 | 2,860 |
| Total bank equity capital | $21,880,000 | 2,853 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $22,100,000 | 160 |
| Surplus | $0 | 4,267 |
| Undivided profits | $-220,000 | 4,227 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 149 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 3,812 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 572 |
| Income earned, not collected on loans | $44,000 | 4,493 |
| Earning assets | $40,960,000 | 4,335 |
| Long-term assets (5+ years) | $0 | 4,515 |
| Average Assets, year-to-date | $43,288,000 | 4,369 |
| Average Assets, quarterly | $43,288,000 | 4,363 |
| Volatile liabilities | $479,000 | 4,377 |
| Insider loans | $0 | 3,951 |
| FHLB advances | $0 | 2,635 |
| Loans and leases held for sale | $0 | 1,074 |
| Unused loan commitments | $9,400,000 | 3,456 |
| Tier 1 (core) risk-based capital | $21,880,000 | 3,097 |
| Tier 2 risk-based capital | $14,000 | 2,819 |
| Total risk weighted assets | $3,029,000 | 2,880 |
| Total unused commitments | $9,400,000 | 3,456 |
| Derivatives | $0 | 1,163 |