Zions Bancorporation, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 45.3% in Q2 2026, from $140.0M to $76.6M. It was the largest change from Q1 2026 among the key lines here. Zions Bancorporation, N.A. ranks 28th of 44 Utah banks on loan-to-deposit ratio, in the lower half at 81.65% (Q2 2026). 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.56B |
| Net loans and leases | $61.90B |
| Loans held for sale | $76.6M |
| Loans to total assets | 70.26% |
| Loan-to-deposit ratio | 81.65% |
| Net loans to equity capital | 8.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.01% |
| Multifamily (5+ residential) | 5.69% |
| Commercial and industrial | 24.53% |
| Consumer | 1.04% |
| Credit cards | 0.22% |
| Farm | 0.37% |
| Loans to depository institutions | 0.16% |
| State and political subdivisions | 6.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 168.87% |
| Construction concentration (Tier 1 capital + allowance) | 35.43% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.59% |
| Interest income on loans | $854.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $56.93B | $76.06B | 28.87% | 23.04% | 1.06% |
| Q4 2023 | $57.83B | $75.34B | 28.37% | 22.95% | 1.04% |
| Q1 2024 | $58.12B | $74.71B | 28.49% | 22.84% | 0.98% |
| Q2 2024 | $58.53B | $74.22B | 28.36% | 22.86% | 1.01% |
| Q3 2024 | $58.98B | $75.91B | 28.24% | 22.95% | 0.99% |
| Q4 2024 | $59.48B | $76.64B | 27.66% | 22.45% | 0.95% |
| Q1 2025 | $60.05B | $76.01B | 27.57% | 22.71% | 0.99% |
| Q2 2025 | $61.01B | $74.05B | 27.42% | 23.32% | 1.01% |
| Q3 2025 | $60.52B | $75.10B | 27.59% | 23.36% | 1.00% |
| Q4 2025 | $61.12B | $75.88B | 27.17% | 23.95% | 1.03% |
| Q1 2026 | $61.37B | $76.93B | 27.14% | 24.19% | 1.02% |
| Q2 2026 | $62.56B | $76.62B | 27.01% | 24.53% | 1.04% |
Zions Bancorporation, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Zions Bancorporation, N.A., freeSource: Call Report Schedule RC-C, 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)