Zions Bancorporation, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.5% between Q1 2026 and Q2 2026, to $342.5M. Within Utah, Zions Bancorporation, N.A. is 39th of 44 on net interest margin, 3.21% as of Q2 2026, below the middle of the field. Zions Bancorporation, N.A. reported 3.21% on net interest margin for Q2 2026, 0.39 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 5.59% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $854.6M |
| Total interest expense | $342.5M |
| Interest expense on deposits | $285.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.95% | 2.13% | 2.89% | 5.86% | 2.52% |
| Q4 2023 | 5.04% | 2.28% | 2.84% | 5.97% | 2.59% |
| Q1 2024 | 5.09% | 2.32% | 2.85% | 6.00% | 2.60% |
| Q2 2024 | 5.15% | 2.36% | 2.88% | 6.05% | 2.63% |
| Q3 2024 | 5.26% | 2.37% | 2.98% | 6.16% | 2.66% |
| Q4 2024 | 5.05% | 2.14% | 3.00% | 5.92% | 2.54% |
| Q1 2025 | 4.90% | 1.97% | 2.99% | 5.73% | 2.50% |
| Q2 2025 | 4.98% | 1.96% | 3.09% | 5.82% | 2.51% |
| Q3 2025 | 5.11% | 1.92% | 3.25% | 5.94% | 2.54% |
| Q4 2025 | 4.98% | 1.78% | 3.29% | 5.80% | 2.50% |
| Q1 2026 | 4.75% | 1.65% | 3.18% | 5.54% | 2.42% |
| Q2 2026 | 4.81% | 1.67% | 3.21% | 5.59% | 2.42% |
Zions Bancorporation, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Zions Bancorporation, N.A., freeSource: Call Report Schedules RI and RC-K, 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)