Zions Bancorporation, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1873, Zions Bancorporation, N.A. is among the oldest continuously operating FDIC-insured banks, headquartered in Salt Lake City, UT. Total assets stand at $89.0B. Returns are notably above industry norms: 1.99% ROA, 24.19% ROE, and 3.21% NIM. Capital cushions are healthy: 11.83% CET1, 9.43% Tier 1 leverage. Asset quality is solid, 1.45% nonperforming loans and a 12.59% Texas Ratio. A 413-branch network serves customers across multiple states.
As of June 30, 2026, Zions Bancorporation, N.A. reported a CET1 capital ratio of 11.83%, a return on assets of 1.99%, a nonperforming-loan ratio of 1.45%, a Texas ratio of 12.59%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1 S Main St, Salt Lake City, UT 84133
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 6, 1873
- Former names
- ZB, National Association (2016-2018); Zions First National Bank (1957-2016); First National Bank of Salt Lake City (1952-1957); Utah First National Bank of Salt Lake City (1949-1952)
- Offices
- 413 domestic
- Employees (FTE)
- 9,039
- Domestic deposits
- $76.62B
- Allowance for credit losses
- $662.2M
- Net charge-offs (YTD)
- $12.4M
- Average total assets
- $90.98B
- Average total loans
- $61.66B
- Average interest-bearing deposits
- $50.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2270
- Fed RSSD
- 276579
- SEC CIK
- 109380 →
- Website
- www.zionsbancorporation.com →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Zions Bancorporation, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 1.99% | 1.45% | 12.59% | 3.21% |
| Q1 2026 | 11.56% | 1.03% | 1.35% | 12.27% | 3.18% |
| Q4 2025 | 11.48% | 1.16% | 1.48% | 13.50% | 3.29% |
| Q3 2025 | 11.27% | 0.98% | 1.38% | 13.11% | 3.25% |
| Q2 2025 | 10.97% | 1.07% | 1.36% | 13.56% | 3.09% |
| Q1 2025 | 10.83% | 0.75% | 1.30% | 13.45% | 2.99% |
| Q4 2024 | 10.88% | 0.95% | 1.24% | 13.13% | 3.00% |
| Q3 2024 | 10.71% | 0.95% | 1.07% | 10.63% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 409 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Zions Bancorporation, N.A. | Salt Lake City , UT | 84133 | $8.09B |
| Amegy Tower Branch | Houston , TX | 77027 | $5.12B |
| Los Angeles Metro Office | Los Angeles , CA | 90071 | $2.52B |
| Las Vegas Mccarran Center Branch | Las Vegas , NV | 89119 | $2.47B |
| Golden Triangle Branch | La Jolla , CA | 92037 | $1.83B |
| Irvine Branch | Irvine , CA | 92614 | $1.80B |
| Biltmore Branch | Phoenix , AZ | 85016 | $1.30B |
| Northwest Crossing Branch | Houston , TX | 77040 | $1.14B |
| The Woodlands Branch | The Woodlands , TX | 77381 | $990.5M |
| Provo Region Office Branch | Provo , UT | 84601 | $908.8M |
| Seattle Br | Seattle , WA | 98101 | $883.3M |
| Belleview Station Branch | Denver , CO | 80237 | $869.9M |
| Boise Main Branch | Boise , ID | 83702 | $821.3M |
| Wilmot Br | Tucson , AZ | 85711 | $807.9M |
| Esperson Branch | Houston , TX | 77002 | $803.7M |
| West Liberty Branch | Reno , NV | 89501 | $774.7M |
| Sugar Land Banking Center | Sugar Land , TX | 77479 | $769.7M |
| San Francisco Main | San Francisco , CA | 94111 | $733.2M |
| Draper Branch | Draper , UT | 84020 | $591.7M |
| Saint Ann Court Branch | Dallas , TX | 75201 | $559.6M |
| Pioneer Branch | Logan , UT | 84321 | $465.5M |
| Cottonwood Heights Branch | Cottonwood Heights , UT | 84121 | $454.8M |
| Orem Branch | Orem , UT | 84057 | $448.8M |
| Bitters Branch | San Antonio , TX | 78216 | $448.1M |
| Sacramento Main Branch | Sacramento , CA | 95814 | $393.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 9, 2026 | M&A | ma_related | SEC |
| June 2, 2026 | M&A | ma_related | SEC |
| December 22, 2025 | M&A | ma_related | SEC |
| December 16, 2024 | M&A | post_ma_delisting | SEC |
| December 16, 2024 | Delisting | delisting | SEC |
| May 1, 2024 | M&A | ma_related | SEC |
| March 26, 2024 | M&A | ma_related | SEC |
| February 23, 2024 | M&A | ma_related | SEC |
| June 11, 2021 | M&A | post_ma_delisting | SEC |
| June 11, 2021 | Delisting | delisting | SEC |
| May 7, 2021 | M&A | ma_related | SEC |
| October 28, 2020 | M&A | ma_related | SEC |
| August 14, 2020 | M&A | ma_related | SEC |
| June 25, 2020 | M&A | ma_related | SEC |
| May 22, 2020 | M&A | post_ma_delisting | SEC |
| May 22, 2020 | Delisting | delisting | SEC |
| December 31, 2019 | Delisting | delisting | SEC |
| December 31, 2019 | M&A | post_ma_delisting | SEC |
| April 4, 2019 | M&A | ma_related | SEC |
| November 14, 2018 | M&A | post_ma_delisting | SEC |
| November 14, 2018 | Delisting | delisting | SEC |
| October 2, 2018 | M&A | ma_completion | SEC |
| September 30, 2018 | M&A | merger | SEC |
| September 30, 2018 | Structure Change | Acquired Great Western Financial Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2018 | M&A | ma_proxy | SEC |
| July 13, 2018 | M&A | ma_proxy | SEC |
| April 10, 2018 | M&A | ma_announcement | SEC |
| June 15, 2017 | M&A | post_ma_delisting | SEC |
| June 15, 2017 | Delisting | delisting | SEC |
| April 12, 2017 | M&A | ma_related | SEC |
| January 30, 2017 | M&A | ma_related | SEC |
| January 1, 2017 | M&A | merger | SEC |
| January 1, 2017 | Structure Change | Acquired Cash Access, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2016 | M&A | ma_related | SEC |
| August 5, 2016 | M&A | ma_related | SEC |
| April 13, 2016 | M&A | ma_related | SEC |
| January 28, 2016 | M&A | ma_related | SEC |
| December 31, 2015 | Structure Change | Acquired Amegy Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2015 | M&A | merger | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 40 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Zions Bancorporation, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 5 against individuals associated with it
- February 10, 2011, OCC: Civil Money Penalty (CMP): Zions First National Bank
- Period: Most recent institution action February 10, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in UT, rank 9 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 17,260 applications, 8,981 loans originated, $4.72B originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Zions Bancorporation, N.A.
What are Zions Bancorporation, N.A.'s total assets?
As of the Q2 2026 filing, Zions Bancorporation, N.A. reported total assets of $89.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Zions Bancorporation, N.A. headquartered?
Zions Bancorporation, N.A. is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Zions Bancorporation, N.A. founded?
Zions Bancorporation, N.A. was established in 1873, per the FDIC institution directory.
Is Zions Bancorporation, N.A. FDIC-insured?
Yes. Zions Bancorporation, N.A. is an FDIC-insured commercial bank (FDIC Certificate #2270). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Zions Bancorporation, N.A.?
Zions Bancorporation, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Zions Bancorporation, N.A.'s CET1 capital ratio?
Zions Bancorporation, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Zions Bancorporation, N.A. operate?
Zions Bancorporation, N.A. operates 413 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Zions Bancorporation, N.A.'s Texas Ratio?
Zions Bancorporation, N.A.'s Texas Ratio is 12.59% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Zions Bancorporation, N.A. previously called?
The charter now named Zions Bancorporation, N.A. has also operated as ZB, National Association (2016-2018), Zions First National Bank (1957-2016), First National Bank of Salt Lake City (1952-1957), Utah First National Bank of Salt Lake City (1949-1952), per FDIC structure-change records.
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