BlastPoint's Banking Scorecard
Zions Bancorporation, N.A.
Large
Specialty: Commercial
UT
FDIC cert 2270
Salt Lake City, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
Zions Bancorporation, N.A. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.06% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 12% in Large
- - Flatlined Growth: Bottom 31% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.0B
+0.2% YoY
+0.5% QoQ
|
+$14.1B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$60.4B
+2.8% YoY
+1.0% QoQ
|
+$14.0B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$75.9B
-1.0% YoY
+1.0% QoQ
|
+$15.4B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.01%
+13.2% YoY
+6.0% QoQ
|
-0.18% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.24%
+7.0% YoY
+1.2% QoQ
|
-0.22% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
62.94%
-3.4% YoY
-1.0% QoQ
|
+7.91% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.53%
-1.1% YoY
-2.4% QoQ
|
-0.35% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
79.66%
+3.8% YoY
-0.0% QoQ
|
-2.06% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
34.03%
+5.6% YoY
-2.2% QoQ
|
+14.06% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+2.7% YoY
-2.0% QoQ
|
-0.19% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.57%
+5.4% YoY
+1.9% QoQ
|
-1.75% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.83%
+6.8% YoY
+37.5% QoQ
|
-0.26% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Large
Why this stands out
Current:
34.03%
(Tier avg: 19.97%, National avg: 21.79%)
Concerns (2)
Capital Thin
risk
#3 of 18 · Bottom 12% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.57%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
Flatlined Growth
risk
#6 of 17 · Bottom 31% in Large
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:
1.01%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 19.97%
80
80th pctile
Total Loans
Current: $60.4B · Tier avg: $46.4B
75
75th pctile
Total Assets
Current: $89.0B · Tier avg: $74.9B
75
75th pctile
Total Deposits
Current: $75.9B · Tier avg: $60.5B
72
72th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.88%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.55%
51
51th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 1.09%
38
38th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.46%
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.66% · Tier avg: 81.72%
36
36th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.19%
16
16th pctile
Efficiency Ratio
Current: 62.94% · Tier avg: 55.03%
16
16th pctile
Tier 1 Capital Ratio
Current: 11.57% · Tier avg: 13.33%
Top Weaknesses
16
16th pctile
Tier 1 Capital Ratio
Current: 11.57% · Tier avg: 13.33%
16
16th pctile
Efficiency Ratio
Current: 62.94% · Tier avg: 55.03%
36
36th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.19%
37
37th pctile
Loan-to-Deposit Ratio
Current: 79.66% · Tier avg: 81.72%
38
38th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.46%
51
51th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 1.09%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.55%
72
72th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.88%
75
75th pctile
Total Deposits
Current: $75.9B · Tier avg: $60.5B
75
75th pctile
Total Assets
Current: $89.0B · Tier avg: $74.9B
80
80th pctile
Total Loans
Current: $60.4B · Tier avg: $46.4B
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 34.03% · Tier avg: 19.97%