Zions Bancorporation

What sets Zions Bancorporation apart

How large is Zions Bancorporation?

The balance sheet of Zions Bancorporation at Q2 2026: assets $89.0 bn, deposits $76.6 bn, net loans $61.9 bn (loans equal to 80.79% of deposits). Securities make up 20.1% of total assets at Zions Bancorporation. Since Q1 2016, when Zions Bancorporation held $58.3 bn, its assets grew 52.8%. In the year to Q2 2026, deposits at Zions Bancorporation rose 3.5% while its total assets rose 0.2%. At Q2 2026, Zions Bancorporation employed 9,039 full-time equivalent staff across 413 offices, about $9.9 mn of assets per employee and $185.5 mn of deposits per office.

How much funding at Zions Bancorporation is uninsured?

At Zions Bancorporation, uninsured deposits (above the FDIC limit) made up 46.17% of domestic deposits at Q2 2026 (+0.77 pp on a year earlier); Zions Bancorporation ranks 122nd of 500 on this measure. In dollars, Zions Bancorporation estimated $35.4 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Zions Bancorporation: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Zions Bancorporation stood at 11.83% in Q2 2026, +0.86 pp year on year. Low and high at Zions Bancorporation since Q1 2016: 9.61% (Q3 2022) to 12.06% (Q3 2018). Equity capital of Zions Bancorporation at Q2 2026: $7.7 bn, or 8.6% of total assets. Zions Bancorporation also reported a total capital ratio of 14.02% for Q2 2026, and a tier 1 leverage ratio of 9.43%.

On held-to-maturity securities, Zions Bancorporation carried an unrealized loss of $36.9 mn at Q2 2026, equal to 0.5% of equity capital. The loss narrowed by $6.2 mn over the year. Its deepest point: $510.4 mn in Q3 2023. The available-for-sale portfolio of Zions Bancorporation showed an unrealized loss of $1.2 bn at Q2 2026; the loss narrowed by $132.5 mn over the year.

For the year to Q2 2026, Zions Bancorporation earned a return on equity of 18.57%; return on assets: 1.55%. Net interest margin at Zions Bancorporation: 3.28%, +0.14 pp in a year. Zions Bancorporation net income: $685.7 mn, up 65.6% year on year. The efficiency ratio of Zions Bancorporation was 62.57%: about 63 cents cost per revenue dollar, against 53 cents at the median peer.

At Q2 2026, noncurrent loans were 0.47% of total loans at Zions Bancorporation; net charge-offs: 0.04% of average loans. Gross loans and leases at Zions Bancorporation: $62.6 bn, up 2.5% in a year.

The peer group of Zions Bancorporation is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 4 share the charter type of Zions Bancorporation (national bank), 5 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Utah. Against them, Zions Bancorporation shows CET1 ratio 11.83% against a peer median of 13.53%, return on equity 18.57% against a peer median of 9.48% and uninsured deposit share 46.17% against a peer median of 36.33%.

The FDIC history of Zions Bancorporation, oldest first; figures before and after each event are not like for like.

1. 31 December 2015. Absorbed Amegy Bank National Association (FDIC certificate 24107).
2. 31 December 2015. Absorbed Nevada State Bank (FDIC certificate 18113).
3. 31 December 2015. Absorbed National Bank of Arizona (FDIC certificate 20626).
4. 31 December 2015. Absorbed The Commerce Bank of Washington, National Association (FDIC certificate 27298).
5. 31 December 2015. Absorbed Vectra Bank Colorado, National Association (FDIC certificate 2993).
6. 31 December 2015. Absorbed Zions Trust, Natioanl Association (FDIC certificate 57638).
7. 31 December 2015. Absorbed California Bank & Trust (FDIC certificate 20852).