Zions Bancorporation, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Total equity capital rose 5.3% in Q2 2026 to $7.68B, the biggest move on this page. Within Utah, Zions Bancorporation, N.A. is 25th of 28 on CET1 ratio, 11.83% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Zions Bancorporation, N.A. sits 1.13 points lower, at 11.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.92% |
| Total risk-based capital ratio | 14.02% |
| Tier 1 leverage ratio | 9.43% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.37B |
| Tier 1 capital | $8.43B |
| Total risk-based capital | $9.92B |
| Total equity capital | $7.68B |
| Risk-weighted assets | $70.74B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.63% |
| Tangible equity to tangible assets | 7.50% |
| Equity capital to average assets | 8.44% |
| Internal capital growth rate | 21.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $146K |
| Common stock surplus | $1.60B |
| Retained earnings | $7.90B |
| Preferred stock and surplus | $66.3M |
| Accumulated other comprehensive income | -$1.87B |
| Subordinated notes and debentures | $964.5M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 10.87% | 12.76% | 8.33% | $66.62B |
| Q4 2023 | 10.25% | 10.91% | 12.78% | 8.34% | $66.93B |
| Q1 2024 | 10.36% | 11.01% | 12.90% | 8.41% | $66.82B |
| Q2 2024 | 10.55% | 11.21% | 13.08% | 8.49% | $66.88B |
| Q3 2024 | 10.71% | 11.36% | 13.21% | 8.62% | $67.31B |
| Q4 2024 | 10.88% | 10.98% | 13.34% | 8.34% | $67.69B |
| Q1 2025 | 10.83% | 10.93% | 13.29% | 8.37% | $68.13B |
| Q2 2025 | 10.97% | 11.06% | 13.39% | 8.53% | $69.03B |
| Q3 2025 | 11.27% | 11.36% | 13.70% | 8.80% | $68.65B |
| Q4 2025 | 11.48% | 11.57% | 13.75% | 8.99% | $69.14B |
| Q1 2026 | 11.56% | 11.65% | 13.80% | 9.12% | $69.65B |
| Q2 2026 | 11.83% | 11.92% | 14.02% | 9.43% | $70.74B |
Zions Bancorporation, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Zions Bancorporation, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Zions Bancorporation, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2270) · FFIEC NIC profile (RSSD 276579)