Zions Bancorporation, N.A.
Salt Lake City, Utah, Salt Lake County
$89.0B in total assets, the 35th largest of 4,309 US banks and 6th of 45 headquartered in Utah.
- FDIC certificate
- 2270
- Established
- 1873
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- www.zionsbancorporation.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $89.0B | 98% | $22.4B | |
| Loans | $62.6B | 98% | $14.4B | |
| Deposits | $76.6B | 98% | $18.0B | |
| Return on assets | 1.32% | 55% | 1.29% | |
| Net interest margin | 3.28% | 29% | 3.62% | |
| Efficiency ratio | 62.6% | 79% | 55.1% | |
| Equity to assets | 8.63% | 13% | 11.60% | |
| Loans to deposits | 82% | 30% | 87% |
Growth
Total assets grew 0.4% a year over the last 5 years and 4.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2015 | Vectra Bank Colorado, National Association Farmington, NM | $3.3B |
| Dec 2015 | Nevada State Bank Las Vegas, NV | $4.3B |
| Dec 2015 | National Bank of Arizona Tucson, AZ | $5.0B |
| Dec 2015 | California Bank & Trust San Diego, CA | $12.0B |
| Dec 2015 | Amegy Bank National Association Houston, TX | $13.9B |
| Dec 2015 | The Commerce Bank of Washington, National Association Seattle, WA | $1.1B |
| Dec 2015 | (unknown, CERT 57638) , UT | $18M |
| Jan 2001 | Draper Bank and Trust Draper, UT | $242M |
| Aug 1997 | Tri-State Bank Montpelier, ID | $26M |
| Jun 1995 | First Western National Bank Moab, UT | $37M |
| Oct 1993 | Wasatch Bank Orem, UT | $71M |
| Feb 1992 | Home Savings Bank, F.S.B. Salt Lake City, UT | $6M |
| May 1990 | Deseret Savings and Loan Association, F.A. Salt Lake City, UT | $127M |
| May 1988 | Sandy State Bank Sandy, UT | $9M |
| Feb 1988 | Basin State Bank Vernal, UT | $12M |
| Dec 1986 | The Lockhart Co. Salt Lake City, UT | $83M |
| Jan 1986 | Pioneer State Bank Salt Lake City, UT | $12M |
| Dec 1981 | Zions First National Bank of Cedar City Cedar City, UT | n/a |
| Dec 1981 | Zions First National Bank of Orem Orem, UT | n/a |
| Jan 1981 | The First National Bank of Logan Logan, UT | n/a |
| Dec 1978 | Zions First National Bank of Ogden Ogden, UT | n/a |
| Jan 1978 | First State Bank Salina, UT | n/a |
| Jan 1978 | Richfield Commercial and Savings Bank Richfield, UT | n/a |
| Aug 1973 | Carbon Emery Bank Price, UT | n/a |
| Jun 1973 | Bank of Vernal Vernal, UT | n/a |
| Sep 1970 | Bountiful State Bank Bountiful, UT | n/a |
| Jul 1970 | Bank of St. George St. George, UT | n/a |
| May 1970 | Bank of Commerce Magna, UT | n/a |
Where they operate
411 branches in 112 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Salt Lake County, UT | $13.2B | 1.1% | 11 of 57 |
| Harris County, TX | $9.8B | 3.2% | 4 of 87 |
| Clark County, NV | $5.1B | 5.4% | 7 of 41 |
| Los Angeles County, CA | $4.8B | 0.9% | 19 of 91 |
| San Diego County, CA | $4.6B | 3.4% | 7 of 42 |
| Utah County, UT | $3.1B | 11.1% | 3 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 51 branches since 2016 (462 to 411, −11.0%). 33 opened, 0 acquired, 84 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 462 | |||
| 2016 | Opened 3 in 2 statesClosed 23 in 5 states | 3 | 23 | −20 | 442 |
| 2017 | Opened 4 in 2 statesClosed 6 in 3 states | 4 | 6 | −2 | 440 |
| 2018 | Opened 3 in 2 statesClosed 5 in 4 states | 3 | 5 | −2 | 438 |
| 2019 | Opened 5 in 4 statesClosed 6 in 2 states | 5 | 6 | −1 | 437 |
| 2020 | Opened Dallas and San AntonioClosed 14 in 6 states | 2 | 14 | −12 | 425 |
| 2021 | Opened Broomfield and Garden CityClosed 6 in 4 states | 2 | 6 | −4 | 421 |
| 2022 | Closed 5 in 3 states | 0 | 5 | −5 | 416 |
| 2023 | Opened 4 in 2 statesClosed 9 in 4 states | 4 | 9 | −5 | 411 |
| 2024 | Opened 3 in 2 statesClosed 6 in 3 states | 3 | 6 | −3 | 408 |
| 2025 | Opened 6 in 3 statesClosed 3 in 2 states | 6 | 3 | +3 | 411 |
| 2026 through Q2 | Opened El SegundoClosed Culver City | 1 | 1 | 0 | 411 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 27% | 25% | |
| Business (C&I) | 25% | 17% | |
| 1-4 family residential | 24% | 21% | |
| Multifamily | 6% | 8% | |
| Construction and land | 5% | 6% | |
| Consumer | 1% | 10% | |
| Other | 12% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 62% | |
| Noninterest-bearing | 34% | 20% | |
| Time deposits | 13% | 18% |
Brokered deposits are 7.4% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.45% | 0.63% |
| Net charge-offs, annualized | 0.04% | 0.14% |
| Reserves to loans | 1.06% | 1.15% |
| Leverage ratio | 9.43% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Utah
Largest competitors in Salt Lake County, UT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/zions-bancorporation