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

Deposit mix

NIM

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

Earnings: ROA of 2.05%, up 94 bps year over year; NIM at 3.04%.
Asset quality: problem loans at 0.47% of loans (-4 bps YoY), with net charge-offs at 0.05%.

Return on Assets (quarter, annualized)

2.05%+94 bps YoY

Net Interest Margin (quarter, annualized)

3.04%+13 bps YoY

Efficiency Ratio (quarter, annualized)

59.46%-315 bps YoY

Tier 1 Leverage Ratio

9.43%+89 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.10%	1.00%	1.19%	1.05%	2.05%	+94 bps
Return on Equity	15.11%	13.16%	14.99%	12.87%	24.19%	+908 bps
Net Interest Margin	2.92%	3.06%	3.09%	2.99%	3.04%	+13 bps
Efficiency Ratio	62.62%	60.90%	61.21%	65.95%	59.46%	-315 bps
Non-Interest Burden	1.50%	1.53%	1.52%	1.67%	1.36%	-14 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 / Loans	0.51%	0.54%	0.52%	0.46%	0.47%	-4 bps
Net Charge-Offs / Loans	0.07%	0.37%	0.04%	0.03%	0.05%	-2 bps
Allowance / Loans	1.13%	1.12%	1.11%	1.09%	1.06%	-7 bps
Allowance Coverage of NPLs	2.2x	2.1x	2.1x	2.4x	2.2x	0.0x
Capital
Tier 1 Leverage Ratio	8.53%	8.80%	8.99%	9.12%	9.43%	+89 bps
Total Risk-Based Capital	13.39%	13.70%	13.75%	13.80%	14.02%	+63 bps
Equity / Assets	7.42%	7.75%	8.07%	8.29%	8.63%	+121 bps
Liquidity & Funding
Loans / Deposits	82.38%	80.58%	80.55%	79.78%	81.65%	-73 bps
Liquid Assets / Assets	12.31%	12.71%	12.31%	11.90%	10.94%	-136 bps
CRE / Total Capital	n/a	295%	288%	287%	n/a	n/a