Call reports 2026
ZENITH BANK & TRUST — 2026
What ZENITH BANK & TRUST reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 122,620,000 | 132,992,000 |
| Total loans | 59,465,000 | 77,065,000 |
| Allowance for loan losses | 570,000 | 699,000 |
| Securities available for sale | 1,423,000 | 1,542,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 99,289,000 | 109,751,000 |
| Interest-bearing deposits | 72,655,000 | 81,036,000 |
| Noninterest-bearing deposits | 26,634,000 | 28,715,000 |
| Equity capital | 21,580,000 | 21,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,442,000 | 2,978,000 |
| Interest expense | 478,000 | 1,005,000 |
| Net interest income | 964,000 | 1,973,000 |
| Noninterest income | 38,000 | 76,000 |
| Noninterest expense | 921,000 | 1,803,000 |
| Provision for loan losses | 50,000 | 179,000 |
| Pretax income | 31,000 | 67,000 |
| Income tax | 0 | 21,000 |
| Net income | 31,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 21,579,000 | 21,594,000 |
| Total capital | 22,178,000 | 22,322,000 |
| Risk-weighted assets | 62,470,000 | 76,440,000 |