Zions Bancorporation, N.A.: how it compares with its peers
Against 30 U.S. banks with half to twice its assets, Zions Bancorporation, N.A.'s strongest measure in Q2 2026 is return on assets (1.55% vs. a 1.21% peer median). Its weakest relative measure is efficiency ratio (62.57% vs. 52.10%).
| Measure | Zions Bancorporation, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.21% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.31% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.57% | 52.10% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $16.3M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.79% | 84.50% | Context |
What it means for lending operations
Its efficiency ratio of 62.57% is above the 52.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Flagstar Bank, National Association Hicksville, NY · $87.71B
- East West Bank Pasadena, CA · $84.32B
- First Horizon Bank Memphis, TN · $84.12B
- Western Alliance Bank Phoenix, AZ · $98.57B
- City National Bank Los Angeles, CA · $99.10B
Questions about Zions Bancorporation, N.A.
How big is Zions Bancorporation, N.A.?
Zions Bancorporation, N.A., established in 1873, is headquartered in Salt Lake City, UT. It reported $89.04B in total assets in its Q2 2026 FDIC call report and operates 413 offices.
What is Zions Bancorporation, N.A.'s return on assets?
1.55% annualized in Q2 2026, against a 1.21% median for 30 U.S. banks with half to twice its assets, ahead of 87% of them.
What is Zions Bancorporation, N.A.'s efficiency ratio?
62.57% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 52.10%, and lower is better.
Is Zions Bancorporation, N.A. growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Utah bank ranked.