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Zions Bancorporation, N.A.
Salt Lake City, UT · FDIC Certificate #2270 · Chartered 07/0
Total assets
$89.04B
Total deposits
$76.62B
Total equity
$7.68B
Net loans
$61.90B
Branches (offices)
409
Net income (YTD)
$685.69M
Rank: #35 of 4,213 U.S. banks by assets · #6 of 44 in Utah. Assets changed 0.2% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 18.57% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 8.63% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 46.2% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 80.8% |
| Real estate loans (share of loans) | 62.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.84B | 62.8% | |
| Commercial & industrial | $15.34B | 24.8% | |
| Consumer / individual | $647.70M | 1.0% | |
| Construction & development | $3.22B | 5.2% | |
| Agricultural | $188.46M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.78B | $79.06B | $405.82M | $5.63B |
| Jun 2023 | $87.23B | $74.83B | $378.95M | $5.28B |
| Jun 2024 | $87.61B | $74.22B | $353.65M | $6.02B |
| Jun 2025 | $88.89B | $74.05B | $414.01M | $6.60B |
| Jun 2026 | $89.04B | $76.62B | $685.69M | $7.68B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $22.95B | 93 |
| California | $15.94B | 77 |
| Texas | $15.38B | 77 |
| Nevada | $7.53B | 43 |
| Arizona | $7.28B | 56 |
| Colorado | $3.42B | 33 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $76.62B.
Similar-sized banks
Western Alliance Bank ($98.57B) · Flagstar Bank, National Association ($87.71B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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