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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 2270 · UT B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2388/4307
  • PHOTO-FINISH RSNB Bank · WY
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 4.1% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: RSNB Bank, WY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Zions Bancorporation

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Badger Bank · WI · near76/100Metz Banking Company · MO · …76/100RSNB Bank · WY · near76/100The Bank of Tescott · KS · n…76/100Zions Bancorporation… · UT ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Zions Bancorporation · July 2026

What Zions Bancorporation's Call Report plate shows

Zions Bancorporation, N.A. (FDIC Cert #2270) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,388 of 4,307. Tier 1 capital prints at 11.48%, clearing the 10% well-capitalized line. The Texas Ratio is 4.07%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $89.0B, 34th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is RSNB Bank (WY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Zions Bancorporation

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Zions Bancorporation, N.A.'s home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Zions Bancorporation, N.A. remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

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.

0/100100/100National avg77/10076/100
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 Assets

$89.0B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.08% 11.48% 12.88%
Basel III capital ratios - Zions Bancorporation, N.A.

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.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 45th percentile higher than 45% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Zions Bancorporation 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Zions Bancorporation

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

What these ratios mean →

Earnings posture at Zions Bancorporation

Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
13.58%
Efficiency Ratio
62.94%

What these mean →

Income & expense at Zions Bancorporation

$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.

FDIC Failed Bank List → View Zions Bancorporation, N.A. on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Zions Bancorporation, N.A. nationally by total assets
  1. 1
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    Webster Bank $84.0B

    Stamford, CT · Grade A

  4. 4
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  5. 5
    East West Bank $79.7B

    Pasadena, CA · Grade A

  6. 6
    City National Bank $98.4B

    Los Angeles, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($89.0B here), outside Utah so the neighborhood is not state containment.

Flagstar Bank $87.5B · NY Western Alliance Bank $92.7B · AZ Webster Bank $84.0B · CT First Horizon Bank $83.6B · TN

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.

Zions Bancorporation, N.A. Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
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%