Zions Bancorporation, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Zions Bancorporation, N.A. is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 1873 (FDIC certificate 2270), and it is supervised by the OCC. At Q2 2026 it reported total assets of $89.04B, up 0.2% from Q2 2025, the 6th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2270
- Headquarters
- Salt Lake City, UT
- Established
- 1873
- Total assets, Q2 2026
- $89.04B
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 413 FDIC institution directory, current count
- Routing number
- 124000054
- Latest call report
- Q2 2026, FFIEC 041 · Zions Bancorporation, N.A. call report
- Asset rank in state
- 6th of 44 in Utah
Zions Bancorporation, N.A. is the 35th-largest bank in the United States, with $89.0 billion in assets at June 30, 2026. It is headquartered in Salt Lake City, Utah, and operates 413 domestic branches. It earns about $1.99 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). On the other hand, it holds common equity equal to 11.83% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
Earnings jumped: net income for the quarter was $453 million, 85% above the same quarter a year earlier.
As of June 30, 2026, Zions Bancorporation, N.A. reported a CET1 capital ratio of 11.83%, a return on assets of 1.99%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.98%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Zions Bancorporation, N.A. is the 6th largest of the 44 banks headquartered in Utah. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $89.04B, loans rose 1.9% and deposits fell 0.4%. Commercial and industrial loans made up 24.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.9%. On its Q2 2026 call report, Zions Bancorporation, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Main St, Salt Lake City, UT 84133
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 6, 1873
- Former names
- ZB, National Association (2016-2018); Zions First National Bank (1957-2016); First National Bank of Salt Lake City (1952-1957); Utah First National Bank of Salt Lake City (1949-1952)
- Domestic offices
- 413 FDIC institution directory, current count
- Employees (FTE)
- 9,039
- Domestic deposits
- $76.62B
- Allowance for credit losses
- $662.2M
- Net charge-offs (YTD)
- $12.4M
- Average total assets
- $90.98B
- Average total loans
- $61.66B
- Average interest-bearing deposits
- $50.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2270
- Fed RSSD
- 276579
- SEC CIK
- 109380 →
- Website
- www.zionsbancorporation.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Zions Bancorporation, N.A.'s total assets ran between $87.03B (Q3 2024) and $89.04B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.04B total assets against $88.89B; $81.36B total liabilities against $82.30B.
$61.90B net loans and leases against $60.32B; $76.62B total deposits against $74.05B.
$17.87B securities against $18.50B; $2.19B cash and balances due against $2.51B.
$1.02B total interest income against $1.06B; $342.5M total interest expense against $402.9M.
$680.9M net interest income against $652.9M.
$241.0M total noninterest income against $184.7M; $550.4M total noninterest expense against $526.9M.
$2.6M provision for credit losses against -$560K.
$452.8M net income against $244.1M.
1.99% return on assets against 1.07%; 3.21% net interest margin against 3.09%.
11.83% CET1 capital ratio against 10.97%; 9.43% tier 1 leverage ratio against 8.53%.
Inside the full Zions Bancorporation, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeZions Bancorporation, N.A. rankings
Its closest position to the top of a national ranking is 35 of 4,196, for total assets; its furthest is 1,765 of 2,134, for CET1 ratio.
Metric pages for Zions Bancorporation, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q1 2025) to 1.99% (Q2 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.29% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 1.99% | 0.47% | 3.98% | 3.21% |
| Q1 2026 | 11.56% | 1.03% | 0.46% | 4.10% | 3.18% |
| Q4 2025 | 11.48% | 1.16% | 0.52% | 4.60% | 3.29% |
| Q3 2025 | 11.27% | 0.98% | 0.54% | 4.91% | 3.25% |
| Q2 2025 | 10.97% | 1.07% | 0.51% | 4.86% | 3.09% |
| Q1 2025 | 10.83% | 0.75% | 0.53% | 5.26% | 2.99% |
| Q4 2024 | 10.88% | 0.95% | 0.53% | 5.32% | 3.00% |
| Q3 2024 | 10.71% | 0.95% | 0.63% | 6.07% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 409 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Zions Bancorporation, N.A. | Salt Lake City , UT | 84133 | $8.09B |
| Amegy Tower Branch | Houston , TX | 77027 | $5.12B |
| Los Angeles Metro Office | Los Angeles , CA | 90071 | $2.52B |
| Las Vegas Mccarran Center Branch | Las Vegas , NV | 89119 | $2.47B |
| Golden Triangle Branch | La Jolla , CA | 92037 | $1.83B |
| Irvine Branch | Irvine , CA | 92614 | $1.80B |
| Biltmore Branch | Phoenix , AZ | 85016 | $1.30B |
| Northwest Crossing Branch | Houston , TX | 77040 | $1.14B |
| The Woodlands Branch | The Woodlands , TX | 77381 | $990.5M |
| Provo Region Office Branch | Provo , UT | 84601 | $908.8M |
| Seattle Br | Seattle , WA | 98101 | $883.3M |
| Belleview Station Branch | Denver , CO | 80237 | $869.9M |
| Boise Main Branch | Boise , ID | 83702 | $821.3M |
| Wilmot Br | Tucson , AZ | 85711 | $807.9M |
| Esperson Branch | Houston , TX | 77002 | $803.7M |
| West Liberty Branch | Reno , NV | 89501 | $774.7M |
| Sugar Land Banking Center | Sugar Land , TX | 77479 | $769.7M |
| San Francisco Main | San Francisco , CA | 94111 | $733.2M |
| Draper Branch | Draper , UT | 84020 | $591.7M |
| Saint Ann Court Branch | Dallas , TX | 75201 | $559.6M |
| Pioneer Branch | Logan , UT | 84321 | $465.5M |
| Cottonwood Heights Branch | Cottonwood Heights , UT | 84121 | $454.8M |
| Orem Branch | Orem , UT | 84057 | $448.8M |
| Bitters Branch | San Antonio , TX | 78216 | $448.1M |
| Sacramento Main Branch | Sacramento , CA | 95814 | $393.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 9, 2026 | M&A | ma_related | SEC |
| June 2, 2026 | M&A | ma_related | SEC |
| December 22, 2025 | M&A | ma_related | SEC |
| December 16, 2024 | M&A | post_ma_delisting | SEC |
| December 16, 2024 | Delisting | delisting | SEC |
| May 1, 2024 | M&A | ma_related | SEC |
| March 26, 2024 | M&A | ma_related | SEC |
| February 23, 2024 | M&A | ma_related | SEC |
| June 11, 2021 | M&A | post_ma_delisting | SEC |
| June 11, 2021 | Delisting | delisting | SEC |
| May 7, 2021 | M&A | ma_related | SEC |
| October 28, 2020 | M&A | ma_related | SEC |
| August 14, 2020 | M&A | ma_related | SEC |
| June 25, 2020 | M&A | ma_related | SEC |
| May 22, 2020 | M&A | post_ma_delisting | SEC |
| May 22, 2020 | Delisting | delisting | SEC |
| December 31, 2019 | Delisting | delisting | SEC |
| December 31, 2019 | M&A | post_ma_delisting | SEC |
| April 4, 2019 | M&A | ma_related | SEC |
| November 14, 2018 | M&A | post_ma_delisting | SEC |
| November 14, 2018 | Delisting | delisting | SEC |
| October 2, 2018 | M&A | ma_completion | SEC |
| September 30, 2018 | M&A | Acquired Zions Bancorporation merger for the acquired bank | SEC |
| September 30, 2018 | Structure Change | Acquired Great Western Financial Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2018 | M&A | ma_proxy | SEC |
| July 13, 2018 | M&A | ma_proxy | SEC |
| April 10, 2018 | M&A | ma_announcement | SEC |
| June 15, 2017 | M&A | post_ma_delisting | SEC |
| June 15, 2017 | Delisting | delisting | SEC |
| April 12, 2017 | M&A | ma_related | SEC |
| January 30, 2017 | M&A | ma_related | SEC |
| January 1, 2017 | M&A | Acquired Cash Access, Inc. merger for the acquired bank | SEC |
| January 1, 2017 | Structure Change | Acquired Cash Access, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2016 | M&A | ma_related | SEC |
| August 5, 2016 | M&A | ma_related | SEC |
| April 13, 2016 | M&A | ma_related | SEC |
| January 28, 2016 | M&A | ma_related | SEC |
| December 31, 2015 | Structure Change | Acquired Amegy Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2015 | M&A | Acquired Zions Trust, N.A. merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 40 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 5 against individuals associated with it
- February 10, 2011, OCC: Civil Money Penalty (CMP): Zions First National Bank
- Period: Most recent institution action February 10, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in UT, rank 9 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 17,260 applications, 8,981 loans originated, $4.72B originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1,131 loans, $220.0M approved, $195K average. 0.18% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Zions Bancorporation, N.A.
What are Zions Bancorporation, N.A.'s total assets?
As of the Q2 2026 filing, Zions Bancorporation, N.A. reported total assets of $89.04 billion in its FFIEC call report.
Where is Zions Bancorporation, N.A. headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Zions Bancorporation, N.A. founded?
It was established in 1873, per the FDIC institution directory.
Is Zions Bancorporation, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2270). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Zions Bancorporation, N.A.?
Zions Bancorporation, N.A.'s primary federal regulator is the OCC.
What is Zions Bancorporation, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Zions Bancorporation, N.A. operate?
It operates 413 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Zions Bancorporation, N.A.'s Texas Ratio?
Its Texas Ratio is 3.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Zions Bancorporation, N.A. previously called?
The charter now named Zions Bancorporation, N.A. has also operated as ZB, National Association (2016-2018), Zions First National Bank (1957-2016), First National Bank of Salt Lake City (1952-1957), Utah First National Bank of Salt Lake City (1949-1952), per FDIC structure-change records.
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