BlastPoint's Banking Scorecard

Zions Bancorporation, N.A.

$10B-$250B Specialty: Commercial UT FDIC cert 2270

Salt Lake City, UT

413 branches across UT · CA · TX · AZ · NV · CO · ID · WA · NM · OR · WY

135 banks in the $10B-$250B peer group nationally 11 in UT

Zions Bancorporation, N.A. has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 15.38% above tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.9% in tier
- Flatlined Growth: Bottom 25.0% in tier
- ROA 0.23% below tier average
- Net Interest Margin 0.52% below tier average
- Efficiency Ratio 12.05% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$88.0B -0.0% YoY -1.2% QoQ	+$40.6B	$47.4B -2.0% YoY	$30.1B +16.3% YoY	$6.2B +9.0% YoY	Top 13.3% in tier
Total Loans ?	$60.7B +2.3% YoY +0.4% QoQ	+$31.1B	$29.6B -0.4% YoY	$17.9B +6.8% YoY	$3.2B +10.7% YoY	Top 10.4% in tier
Total Deposits ?	$76.9B +1.2% YoY +1.4% QoQ	+$38.2B	$38.7B -1.6% YoY	$23.1B +10.8% YoY	$4.8B +8.0% YoY	Top 13.3% in tier
Return on Assets ?	1.05% +36.9% YoY +3.9% QoQ	-0.23%	1.28% +19.3% YoY	2.24% +5.6% YoY	1.24% +13.1% YoY	36%
Net Interest Margin ?	3.25% +5.5% YoY +0.3% QoQ	-0.52%	3.77% +5.6% YoY	7.76% +10.4% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	65.95% -2.2% YoY +4.8% QoQ	+12.05%	53.90% -4.0% YoY	104.30% +9.2% YoY	66.84% -3.8% YoY	18%
Delinquency Rate ?	0.46% -13.3% YoY -12.5% QoQ	-0.56%	1.02% -4.1% YoY	1.43% +8.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	78.92% +1.1% YoY -0.9% QoQ	-1.97%	80.88% +2.0% YoY	82.66% +3.7% YoY	76.69% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	35.20% +7.9% YoY +3.4% QoQ	+15.38%	19.82% +0.3% YoY	18.48% +5.1% YoY	22.01% -1.1% YoY	Top 3.0% in tier
Nonperforming Asset Ratio ?	0.33% -8.0% YoY -8.5% QoQ	-0.39%	0.73% +4.0% YoY	0.98% +19.2% YoY	0.66% +19.3% YoY	71%
Tier 1 Capital Ratio ?	11.65% +6.6% YoY +0.7% QoQ	-3.91%	15.56% -0.1% YoY	22.82% +17.1% YoY	17.06% +0.8% YoY	Bottom 14.1% in tier
Non-Interest Income / Assets ?	0.21% +9.1% YoY -75.0% QoQ	-0.02%	0.23% +0.9% YoY	1.09% +7.6% YoY	0.32% +4.0% YoY	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#3 of 34 • Bottom 5.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.65%

(Tier: 15.56%, National: 17.06%)

worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#7 of 24 • Bottom 25.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.05%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +33 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.20%

Peer Median: 19.82%

#5 of 135 Top 3.0% in $10B-$250B

Total Loans

size

Value: $60.71B

Peer Median: $29.62B

#15 of 135 Top 10.4% in $10B-$250B

Total Assets

size

Value: $87.96B

Peer Median: $47.36B

#19 of 135 Top 13.3% in $10B-$250B

Total Deposits

size

Value: $76.93B

Peer Median: $38.75B

#19 of 135 Top 13.3% in $10B-$250B

Top Weaknesses (2 metrics)

117

Tier 1 Capital Ratio

capital

Value: 11.65%

Peer Median: 15.56%

#117 of 135 Bottom 14.1% in $10B-$250B

112

Efficiency Ratio

profitability

Value: 65.95%

Peer Median: 53.90%

#112 of 135 Bottom 17.8% in $10B-$250B