FDIC certificate 2270
Zions Bancorporation, N.A.
Salt Lake City, Utah · 1 S Main St 84133
Hunter Score
This bank ranks above the middle of its size group.
Up 17 points from last quarter.
Compared with 50 banks with $50 billion or more in assets.
A high score is not a recommendation to buy or sell.
What stands out
Zions Bancorporation, N.A. has a Hunter Score of 66 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $50 billion or more in assets.
The FDIC reported return on equity of 18.57% (field ROE). Among banks with $50 billion or more in assets, the peer rank for this measure is 90 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 62.57% (field EEFFR). Among banks with $50 billion or more in assets, the peer rank for this measure is 22 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Utah with $50 billion or more in assets, ordered by Hunter Score.
- Synchrony Bank78out of 100
- SoFi Bank, National Association75out of 100
- American Express National Bank73out of 100
- Morgan Stanley Bank, National Association67out of 100
- Ally Bank66out of 100
Top Hunter Scores in Utah · Top scores with $50 billion or more in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
18.57%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 90 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.55%
Profit for each dollar of assets. Higher is stronger.
Peer rank 86 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.28%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 51 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
62.57%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 22 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.47%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 80 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202666 out of 100
- Q1 2026, ending March 31, 202649 out of 100
- Q4 2025, ending December 31, 202552 out of 100
- Q3 2025, ending September 30, 202548 out of 100
- Q2 2025, ending June 30, 202548 out of 100
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About this bank
- Total assets
- $89.0 billion
- Deposits
- $76.6 billion
- Equity
- $7.7 billion
- Tangible equity
- $6.6 billionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 413
- Charter
- National bank
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $685.7 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 276579.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
1 S Main St, Salt Lake City, UT 84133
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.