Zions Bancorporation, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds purchased and repos: 218.8% higher than in Q1 2026, at $1.13B. Within Utah, Zions Bancorporation, N.A. is 28th of 44 on loan-to-deposit ratio, 81.65% as of Q2 2026, below the middle of the field. Zions Bancorporation, N.A. reported 81.65% on loan-to-deposit ratio for Q2 2026, 5.18 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.19B |
| Cash and noninterest-bearing balances to assets | 2.32% |
| Cash and securities | $20.05B |
| Fed funds sold and reverse repos | $1.12B |
| Fed funds sold and reverse repos to assets | 1.26% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.13B |
| Other borrowed money | $1.33B |
| Subordinated notes and debentures | $964.5M |
| Other borrowed money to assets | 1.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.65% |
| Net loans and leases to deposits | 80.79% |
| Loans and leases to core deposits | 84.43% |
| Core deposits to total deposits | 89.34% |
| Brokered deposits to total deposits | 7.37% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.85% | 86.74% | $2.12B | $1.72B |
| Q4 2023 | 76.76% | 88.50% | $2.41B | $1.79B |
| Q1 2024 | 77.80% | 87.55% | $570.7M | $4.04B |
| Q2 2024 | 78.85% | 87.54% | $97.4M | $5.29B |
| Q3 2024 | 77.70% | 86.57% | $197.2M | $2.72B |
| Q4 2024 | 77.62% | 87.05% | $872.0M | $2.79B |
| Q1 2025 | 79.01% | 87.84% | $119.7M | $3.28B |
| Q2 2025 | 82.38% | 89.06% | $181.5M | $5.88B |
| Q3 2025 | 80.58% | 88.86% | $277.7M | $4.01B |
| Q4 2025 | 80.55% | 89.12% | $736.9M | $2.89B |
| Q1 2026 | 79.78% | 89.62% | $353.2M | $1.26B |
| Q2 2026 | 81.65% | 89.34% | $1.13B | $1.33B |
Zions Bancorporation, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Zions Bancorporation, N.A., freeSource: Call Report Schedules RC and RC-M, 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)