Zions Bancorporation, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.32 percentage points lower than in Q1 2026, at 73.16%. Zions Bancorporation, N.A. ranks 20th of 44 Utah banks on return on assets, in the upper half at 1.99% (Q2 2026). Against a median of 1.30% for banks in the $10B-100B asset tier, Zions Bancorporation, N.A. reported 1.99% on return on assets in Q2 2026, 0.69 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.92% |
| Total risk-based capital ratio | 14.02% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 8.63% |
| Tangible equity to tangible assets | 7.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.45% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 12.59% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 73.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 24.19% |
| Net interest margin | 3.21% |
| Efficiency ratio | 58.77% |
| Yield on earning assets | 4.81% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.65% |
| Core deposits to total deposits | 89.34% |
| Brokered deposits to total deposits | 7.37% |
| Deposits to assets | 86.05% |
| Securities to assets | 20.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 10.87% | 12.76% | 8.33% | 0.79% |
| Q4 2023 | 10.25% | 10.91% | 12.78% | 8.34% | 0.57% |
| Q1 2024 | 10.36% | 11.01% | 12.90% | 8.41% | 0.69% |
| Q2 2024 | 10.55% | 11.21% | 13.08% | 8.49% | 0.89% |
| Q3 2024 | 10.71% | 11.36% | 13.21% | 8.62% | 0.95% |
| Q4 2024 | 10.88% | 10.98% | 13.34% | 8.34% | 0.95% |
| Q1 2025 | 10.83% | 10.93% | 13.29% | 8.37% | 0.75% |
| Q2 2025 | 10.97% | 11.06% | 13.39% | 8.53% | 1.07% |
| Q3 2025 | 11.27% | 11.36% | 13.70% | 8.80% | 0.98% |
| Q4 2025 | 11.48% | 11.57% | 13.75% | 8.99% | 1.16% |
| Q1 2026 | 11.56% | 11.65% | 13.80% | 9.12% | 1.03% |
| Q2 2026 | 11.83% | 11.92% | 14.02% | 9.43% | 1.99% |
Zions Bancorporation, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Zions Bancorporation, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)