Zions Bancorporation, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Zions Bancorporation, N.A. of Salt Lake City, UT against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.99% | 1.33% | +0.66% | 90th top |
| ROAE | 24.19% | 12.02% | +12.17% | 95th top |
| Net Interest Margin | 3.21% | 3.69% | -0.48% | 26th below |
| Efficiency Ratio | 58.77% | 53.70% | +5.07% | 28th below |
| PPNR / Avg Assets | 1.63% | 1.96% | -0.33% | 37th below |
| Yield on Earning Assets | 4.81% | 5.59% | -0.78% | 16th bottom |
| Cost of Funds | 1.67% | 2.00% | -0.33% | 67th above |
| Net Interest Spread | 2.23% | 2.99% | -0.76% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 1.04% | +0.41% | 12th bottom |
| NPA / Total Assets | 1.02% | 0.75% | +0.27% | 16th bottom |
| NCO / Avg Loans | 0.05% | 0.37% | -0.32% | 74th above |
| ACL / Total Loans | 1.06% | 1.38% | -0.32% | 33rd below |
| ACL / NPLs (Coverage) | 73.16% | 213.12% | -139.96% | 15th bottom |
| Texas Ratio | 12.59% | 10.18% | +2.41% | 14th bottom |
| Provision / NCO | -27.08% | 110.69% | -137.77% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 14.81% | -2.98% | 20th bottom |
| Tier 1 Ratio | 11.92% | 14.93% | -3.01% | 19th bottom |
| Total Capital Ratio | 14.02% | 16.13% | -2.11% | 45th below |
| Leverage Ratio | 9.43% | 10.28% | -0.85% | 25th below |
| Equity / Assets | 8.63% | 11.61% | -2.98% | 12th bottom |
| TCE / Tangible Assets | 7.42% | 9.52% | -2.10% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.65% | 83.94% | -2.29% | 69th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.34% | 86.70% | +2.64% | 42nd below |
| Uninsured Deposit Ratio | 46.17% | 38.77% | +7.40% | 29th below |
| Wholesale Funding Ratio | 3.84% | 5.69% | -1.85% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.17% | 10.31% | -10.14% | 16th bottom |
| Loan Growth (Y/Y) | 2.54% | 10.30% | -7.76% | 25th below |
| Deposit Growth (Y/Y) | 3.46% | 10.09% | -6.63% | 41st below |
See Zions Bancorporation, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Zions Bancorporation, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Zions Bancorporation, N.A. profile, how to read a UBPR, or how this data updates.