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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +3.5% year over year ($76.6B on the books).
Delinquency rate 0.48%.
Return on assets 1.55%.
Efficiency ratio 62.57% vs a 53.67% peer average.
Loan-to-deposit ratio 80.79% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (UT) →

Zions Bancorporation, N.A. has 3 strengths but faces 3 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 13.66% above tier average
+ ROA 0.16% above tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.1% in tier
- Net Interest Margin 0.64% below tier average
- Efficiency Ratio 8.90% above tier average

Get updates when Zions Bancorporation, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$89.0B +0.2% YoY +1.2% QoQ	+$45.4B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 11.5% in tier
Total Loans ?	$61.9B +2.6% YoY +2.0% QoQ	+$33.9B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 9.4% in tier
Total Deposits ?	$76.6B +3.5% YoY -0.4% QoQ	+$41.2B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Top 11.5% in tier
Return on Assets ?	1.55% +65.4% YoY +46.9% QoQ	+0.16%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	3.28% +4.5% YoY +0.9% QoQ	-0.64%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	62.57% -3.7% YoY -5.1% QoQ	+8.90%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.48% -8.0% YoY +3.0% QoQ	-0.54%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	80.79% -0.8% YoY +2.4% QoQ	-1.82%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	34.24% -0.2% YoY -2.7% QoQ	+13.66%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Top 7.2% in tier
Nonperforming Asset Ratio ?	0.34% -5.5% YoY +1.3% QoQ	-0.39%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	11.92% +7.8% YoY +2.3% QoQ	-3.43%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.48% +20.1% YoY +128.8% QoQ	-0.02%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	34.2% -0.1pp YoY -1.0pp QoQ	+13.2pp	21.0%	20.1%	22.2%	92%
Brokered Deposits	7.4% +0.1pp YoY +0.3pp QoQ	-1.8pp	9.2%	28.6%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	24.8% +1.2pp YoY +0.3pp QoQ	+7.6pp	17.2%	25.0%	12.5%	81%
CRE	38.3% -0.2pp YoY -0.1pp QoQ	-3.8pp	42.0%	44.1%	41.4%	37%
1-4 Family	24.1% -0.3pp YoY -0.4pp QoQ	+1.0pp	23.1%	13.8%	31.3%	60%
Consumer	1.0% 0.0pp YoY 0.0pp QoQ	-11.8pp	12.9%	45.8%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.9pp YoY +0.3pp QoQ	-3.4pp	15.3%	25.0%	19.7%	19%
Leverage Ratio	9.4% +0.9pp YoY +0.3pp QoQ	-1.0pp	10.4%	15.7%	12.6%	27%
Total Capital Ratio	14.0% +0.6pp YoY +0.2pp QoQ	-2.5pp	16.5%	26.3%	20.8%	45%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	9,039 -401 (-4.2%) YoY -51 (-0.6%) QoQ	+5,781	3,258	1,029	482	93%
Assets per Employee ($)	$9.9M +4.6% YoY +1.8% QoQ	-$17.2M	$27.0M	$39.6M	$8.8M	31%
Branch Count	413 0 YoY 0 QoQ	+275	137	13	18	94%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.6%	0.4%	16%
Nonaccrual	0.5% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.7%	1.2%	1.0%	32%
Allowance Coverage	2.24x +1.6% YoY -5.4% QoQ	-0.57x	2.81x	7.86x	20.23x	67%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	3.6%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	18.6% +5.5pp YoY +5.7pp QoQ	+5.9pp	12.6%	15.9%	11.6%	88%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.3pp	2.0%	2.3%	1.7%	34%
Net Income ($, YTD)	$685.7M +65.6% YoY — QoQ	+$388.9M	$296.8M	$307.8M	$40.4M	91%

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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 (1)

Capital Thin

risk

#7 of 35 • Bottom 17.1% 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: 11.92%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

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 139 peers in $10B-$250B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.24%

Peer Median: 20.58%

#11 of 139 Top 7.2% in $10B-$250B

Total Loans

size

Value: $61.90B

Peer Median: $27.97B

#14 of 139 Top 9.4% in $10B-$250B

Total Assets

size

Value: $89.04B

Peer Median: $43.60B

#17 of 139 Top 11.5% in $10B-$250B

Total Deposits

size

Value: $76.62B

Peer Median: $35.42B

#17 of 139 Top 11.5% in $10B-$250B

Top Weaknesses (2 metrics)

111

Tier 1 Capital Ratio

capital

Value: 11.92%

Peer Median: 15.35%

#111 of 139 Bottom 20.9% in $10B-$250B

110

Efficiency Ratio

profitability

Value: 62.57%

Peer Median: 53.67%

#110 of 139 Bottom 21.6% in $10B-$250B