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Zions Bancorporation, National Association

Salt Lake City, UT · Cert 2270

National charter · OCC · 409 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Zions Bancorporation, National Association

Salt Lake City, UT · Cert 2270

National charter · OCC · 409 branches

Q2 2026

$89.0BAssets
$62.6BLoans
$76.6BDeposits
$7.7BEquity
Loan mix
71%RE $38.4B28%C&I $14.8B1%Consumer $0.6BQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $50.4B34%Noninterest $26.2BQ2 2025Q2 2026

NIM

4.74%Q2 ’244.58%Q2 ’254.45%Q2 ’26+6%+5%

Non-interest income vs. expense

2.31%Q2 ’242.34%Q2 ’252.44%Q2 ’260%-3%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 3.7% share · #4 of 107 inst. · $13.5B of $360.4B

1.1% Salt Lake
3.2% Harris
5.4% Clark
1.5% Los Angeles

Executive Summary

  • Earnings: ROA of 1.55%, up 61 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.47% of loans (-4 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.43%, up 89 bps from a year ago.
  • Funding: loans stand at 81.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+15 bps YoY

Efficiency Ratio (YTD, annualized)

62.57%-238 bps YoY

Tier 1 Leverage Ratio

9.43%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.96%1.01%1.05%1.55%+61 bps
Return on Equity13.04%13.08%13.58%12.87%18.57%+553 bps
Net Interest Margin2.86%2.95%2.97%2.99%3.01%+15 bps
Efficiency Ratio64.95%63.56%62.94%65.95%62.57%-238 bps
Non-Interest Burden1.56%1.56%1.55%1.67%1.51%-5 bps
Growth
Asset Growth (YoY)1.47%1.72%0.24%-0.04%0.17%-130 bps
Loan Growth (YoY)4.23%2.60%2.75%2.20%2.54%-169 bps
Deposit Growth (YoY)-0.23%-1.06%-1.00%1.20%3.46%+369 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.54%0.52%0.46%0.47%-4 bps
Net Charge-Offs / Loans0.09%0.18%0.15%0.03%0.04%-5 bps
Allowance / Loans1.13%1.12%1.11%1.09%1.06%-7 bps
Allowance Coverage of NPLs2.2x2.1x2.1x2.4x2.2x0.0x
Capital
Tier 1 Leverage Ratio8.53%8.80%8.99%9.12%9.43%+89 bps
Total Risk-Based Capital13.39%13.70%13.75%13.80%14.02%+63 bps
Equity / Assets7.42%7.75%8.07%8.29%8.63%+121 bps
Liquidity & Funding
Loans / Deposits82.38%80.58%80.55%79.78%81.65%-73 bps
Liquid Assets / Assets12.31%12.71%12.31%11.90%10.94%-136 bps
CRE / Total Capitaln/a295%288%287%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Zions Bancorporation, National Association

Salt Lake City, UT · Cert 2270 · Peer group: banks over $10B in assets (n=142-144)

National charter · OCC · 409 branches

Q2 2026

$89.0BAssets
$62.6BLoans
$76.6BDeposits
$7.7BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks over $10B in assets (rank 20 of 144).
  • Widest gap: equity / assets trails 85% of banks over $10B in assets (rank 123 of 144).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.54%

Rank 37 of 144

Net Interest Margin

3.01%

Rank 97 of 144

Efficiency Ratio

62.84%

Rank 111 of 144

Equity / Assets

8.63%

Rank 123 of 144

Non-interest income vs. expense

$0.8B$2.2BINCOMEEXPENSE
Unfavorable gap of $1.4B · efficiency ratio beats 24% of banks over $10B in assets
Bank 62.84%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%1.00%1.26%1.54%Beats 74%37 / 144
Return on Equity17.85%8.98%11.34%14.40%Beats 86%20 / 144
Net Interest Margin3.01%2.82%3.31%3.68%Beats 33%97 / 144
Efficiency Ratio62.84%49.42%56.02%62.41%Beats 24%111 / 144
Asset Quality
Nonperforming Loans / Loans0.47%0.48%0.73%1.07%Beats 77%34 / 142
Net Charge-Offs / Loans0.04%0.05%0.11%0.22%Beats 81%28 / 142
Capital
Tier 1 Capital Ratio11.92%12.07%12.98%14.92%Beats 20%115 / 144
Total Risk-Based Capital Ratio14.02%13.39%14.14%16.25%Beats 45%79 / 144
Equity / Assets8.63%9.69%11.39%12.96%Beats 15%123 / 144
Liquidity & Funding
Loans / Deposits81.65%75.72%84.92%91.56%36th pctl91 / 143
Loans / Assets70.26%59.83%69.07%74.80%54th pctl66 / 144
Brokered Deposits / Depositsn/aNot reported for this institution