VB&T HOLDING CO LLC is the bank holding company. ZENITH BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.
Bank Holding Company
VB&T HOLDING CO LLC
Legal name: VB&T HOLDING COMPANY LLC
1 active bank · $123M combined assets
RSSD ID: 5805433 (FFIEC NIC)
Combined Assets
$123M
CRA Rating Summary
Needs to Improve1charter
Across all 1 exams on record for this holding company's charters, 0% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Needs to Improve
1 of 1 bank · Falls short on community lending
Combined Assets
$123M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$99M
Net Income
$31K
ROA (avg)
0.11%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| ZENITH BANK & TRUST | SCOTTSDALE, AZ | FDIC | $123M | 100.0% | Needs to Improve | Mar 2026 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.