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
Unfavorable gap of $1.4B · efficiency ratio beats 24% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.00% | 1.26% | 1.54% | Beats 74% | 37 / 144 | | |
| Return on Equity | 17.85% | 8.98% | 11.34% | 14.40% | Beats 86% | 20 / 144 | | |
| Net Interest Margin | 3.01% | 2.82% | 3.31% | 3.68% | Beats 33% | 97 / 144 | | |
| Efficiency Ratio | 62.84% | 49.42% | 56.02% | 62.41% | Beats 24% | 111 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.48% | 0.73% | 1.07% | Beats 77% | 34 / 142 | | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.11% | 0.22% | Beats 81% | 28 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 11.92% | 12.07% | 12.98% | 14.92% | Beats 20% | 115 / 144 | | |
| Total Risk-Based Capital Ratio | 14.02% | 13.39% | 14.14% | 16.25% | Beats 45% | 79 / 144 | | |
| Equity / Assets | 8.63% | 9.69% | 11.39% | 12.96% | Beats 15% | 123 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.65% | 75.72% | 84.92% | 91.56% | 36th pctl | 91 / 143 | | |
| Loans / Assets | 70.26% | 59.83% | 69.07% | 74.80% | 54th pctl | 66 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |