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Zions Bancorporation, N.A.
Salt Lake City, UT·FDIC Cert #2270·Charter: OCC·Est. 18730706.0
Total Assets
$89.0B
Q4 2025
Return on Assets
1.01%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.94%
Peer avg: 52.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.01%+0.06
ROE
13.58%+0.50
Efficiency
62.94%-0.62
Equity/Assets
0.00%+0.00
NPL Ratio
0.53%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.66%-0.02
Charge-offs
0.15%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.9 | 0.9 | 0.8 | 0.9 | 1.0 | 1.0 |
| ROE | 10.6 | 12.1 | 12.7 | 13.1 | 10.9 | 13.0 | 13.1 | 13.6 |
| Efficiency | 70.7 | 68.0 | 66.3 | 65.1 | 67.4 | 65.0 | 63.6 | 62.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.6 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 |
| Loan/Deposit | 76.9 | 77.9 | 76.8 | 76.7 | 78.1 | 81.4 | 79.7 | 79.7 |
Balance Sheet
Total Assets$89.0B
Total Deposits$75.9B
Total Loans$60.4B
Total Equity$7.2B
Profitability
ROA1.01%
ROE13.58%
Efficiency Ratio62.94%
Net Income$898.7M
Risk & Asset Quality
NPL Ratio0.53%
Charge-off Rate0.15%
Loan/Deposit79.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans