Total Assets
$89.0B
Total balance-sheet footings
FDIC Cert #2270 · Salt Lake City, Utah · Est. 1873
Zions Bancorporation, N.A. - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $89.0B
- Total assets
- B
- Health grade · Good
- 1.01%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Zions Bancorporation, N.A. earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.48% Tier 1, profitable at 1.01% ROA, 63% efficiency ratio.
- #34
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 11.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Zions Bancorporation, N.A.'s 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Zions Bancorporation, N.A.'s composite health score
Tier 1 Capital Ratio (11.48%) 28/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (4.07%) 20/20
Efficiency Ratio (62.94%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$75.9B
Customer-funded liabilities
Net Loans
$60.4B
Outstanding loan book
Net Income
$899M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Zions Bancorporation, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Zions Bancorporation, N.A.'s score of 76/100 falls in the highlighted band.
Zions Bancorporation, N.A.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Zions Bancorporation, N.A.'s $89.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.48%
Texas Ratio
4.07%
Equity Capital
$7.2B
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
13.58%
Efficiency Ratio
62.94%
What the numbers say about Zions Bancorporation, N.A.
Zions Bancorporation, N.A. is an FDIC-insured institution (Certificate #2270) headquartered in Salt Lake City, Utah, established in 1873. It holds $89.0B in total assets - 34th of 4,313 FDIC-insured banks, $75.9B in customer deposits, and $60.4B in net loans. Looking at capital strength, Tier 1 stands at 11.48%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.07%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Zions Bancorporation, N.A.'s asset base places it among the largest FDIC-insured institutions in the country, 34th of 4,313 nationally, and 6th of 42 banks headquartered in Utah. Only Synchrony Bank ($112.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$4.2B
Interest Income
$740M
Non-Interest Income
$2.1B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Zions Bancorporation, N.A. reports a Texas Ratio of 4.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
National size peers: banks closest to Zions Bancorporation, N.A. by assets
Zions Bancorporation, N.A. is closely matched in total assets by Flagstar Bank, Western Alliance Bank, Webster Bank, First Horizon Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.04%, versus Zions Bancorporation, N.A.'s own 1.01%; the average efficiency ratio is 59.44%, versus 62.94% here; and average Tier 1 capital sits at 12.97%, versus 11.48% at Zions Bancorporation, N.A.. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $89.0B in assets, Zions Bancorporation, N.A. has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Zions Bancorporation, N.A. (this bank) | UT | $89.0B | 1.01% | 62.94% | 11.48% |
| Flagstar Bank, National Association | NY | $87.5B | -0.14% | 93.16% | 12.83% |
| Western Alliance Bank | AZ | $92.7B | 1.10% | 60.19% | 11.76% |
| Webster Bank, National Association | CT | $84.0B | 1.26% | 46.99% | 12.19% |
| First Horizon Bank | TN | $83.6B | 1.35% | 56.18% | 10.98% |
| East West Bank | CA | $79.7B | 1.72% | 35.05% | 13.85% |
| City National Bank | CA | $98.4B | 0.95% | 65.09% | 16.18% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Zions Bancorporation, N.A. (FDIC Cert #2270) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
| Optum Bank, Inc.Draper | $20.8B | A | 2.69% |
Frequently asked questions
What is Zions Bancorporation, N.A.'s health grade?▼
Zions Bancorporation, N.A. receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Zions Bancorporation, N.A.?▼
Zions Bancorporation, N.A. holds $89.0B in total assets and $75.9B in deposits, ranking 34th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salt Lake City, Utah.
Is my money safe at Zions Bancorporation, N.A.?▼
Yes, deposits at Zions Bancorporation, N.A. (Certificate #2270) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Zions Bancorporation, N.A.'s Tier 1 Capital Ratio?▼
Zions Bancorporation, N.A. has a Tier 1 Capital Ratio of 11.48%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Zions Bancorporation, N.A.?▼
Zions Bancorporation, N.A. has a Texas Ratio of 4.07%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Zions Bancorporation, N.A.?▼
Zions Bancorporation, N.A. has an Efficiency Ratio of 62.94%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Zions Bancorporation, N.A.'s profile as a depositor or analyst.
- Zions Bancorporation, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Zions Bancorporation, N.A. against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.