Zions Bancorporation, N.A.
Total assets
$89.04B
▲ +0.2% YoY
Deposits
$76.62B
▲ +3.5% YoY
Loans
$61.90B
▲ +2.6% YoY
Offices
413
ROA (annualized)
1.55%
peers 1.23%
ROE (annualized)
18.57%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +5.9% | -5.7 pts |
| Deposit growth (YoY) | +3.5% | +5.7% | -2.2 pts |
| Loan growth (YoY) | +2.6% | +6.9% | -4.3 pts |
| ROA | 1.55% | 1.23% | +0.3 pts |
| ROE | 18.6% | 11.2% | +7.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
Profile
- Established
- 1873
- Charter
- OCC
- Primary regulator
- OCC
- Specialization
- Commercial Lending Specialization
- Address
- 1 S Main St, Salt Lake City, UT, 84133
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 413
- FDIC cert #
- 2270
- RSSD ID
- 276579
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.04B | $76.62B | $61.90B | $7.68B | $685.7M | 1.55% | 3.28% | 0.34% |
| Q1 2026 | $87.96B | $76.93B | $60.71B | $7.30B | $232.9M | 1.05% | 3.25% | 0.33% |
| Q4 2025 | $88.99B | $75.88B | $60.44B | $7.18B | $898.7M | 1.01% | 3.24% | 0.36% |
| Q3 2025 | $88.53B | $75.10B | $59.84B | $6.86B | $635.5M | 0.96% | 3.20% | 0.37% |
| Q2 2025 | $88.89B | $74.05B | $60.32B | $6.60B | $414.0M | 0.94% | 3.14% | 0.36% |
| Q1 2025 | $87.99B | $76.01B | $59.36B | $6.33B | $169.9M | 0.77% | 3.08% | 0.36% |
| Q4 2024 | $88.77B | $76.64B | $58.79B | $6.12B | $784.3M | 0.90% | 3.03% | 0.36% |
| Q3 2024 | $87.03B | $75.91B | $58.29B | $6.39B | $568.4M | 0.87% | 3.01% | 0.43% |
Loan mix (Q2 2026): real estate $38.84B · commercial $15.34B · consumer $647.7M · securities $17.87B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.23% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.3% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.55% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 54.9% | 79th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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