Bank Comparison
Zions Bancorporation, N.A. vs Webster Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.56% | 12.07% |
| Tier 1 Capital Ratio | 11.65% | 12.07% |
| Total Capital Ratio | 13.80% | 13.32% |
| Tier 1 Leverage Ratio | 9.12% | 8.49% |
| Equity / Assets | 8.29% | 11.31% |
Profitability
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.03% | 1.23% |
| Return on Equity (ROE) | 12.87% | 10.78% |
| Net Interest Margin (NIM) | 3.18% | 3.30% |
| Yield on Earning Assets | 4.75% | 5.09% |
| Cost of Funds | 1.67% | 1.93% |
Asset quality
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| Texas Ratio | 12.27% | 13.73% |
| Non-Performing Loan Ratio | 1.35% | 1.73% |
| Non-Performing Asset Ratio | 0.96% | 1.16% |
| Net Charge-Off Ratio | 0.03% | 0.29% |
| ACL / Loans | 1.09% | 1.28% |
Balance sheet
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| Total Assets | $87,956M | $85,527M |
| Total Deposits | $76,926M | $69,386M |
| Total Loans | $61,373M | $57,263M |
| Total Equity | $7,295M | $9,669M |
| Net Income (quarter) | $232,932K | $261,896K |
Liquidity & funding
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 79.78% | 82.53% |
| Core Deposit Ratio | 96.65% | 97.90% |
| Uninsured Deposit Ratio | 46.73% | 36.10% |
Identity
| Metric | Zions Bancorporation, N.A. | Webster Bank, N.A. |
|---|---|---|
| Headquarters City | SALT LAKE CITY | STAMFORD |
| Headquarters State | UT | CT |
| Asset Tier | Regional | Regional |
| Charter Class | 4341 | 24469 |
| Regulator | OCC | OCC |
| Domestic Branches | 414 | 195 |
| Employees (FTE) | 9,090 | 4,562 |
| Established | July 6, 1873, midnight | Jan. 1, 1870, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Zions Bancorporation, N.A. profile | View full Webster Bank, N.A. profile | Browse all bank comparisons