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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Utah, the state note

Zions Bcorp N A

Salt Lake City, Utah · $89.04B in assets · beside the 11 other Utah banks over $10B

The filing

24.1%
CRE / loans
11th of 12
+2.5%
Loans, year over year
11th of 12, largest first
151.7%
CRE / capital
11th of 12

Zions Bcorp N A is the fifth largest of the 12 Utah banks nearest its size over $10B, with $89.04B in assets at 30 June 2026. Loans are 81.7% of deposits, 4th of 12 against a median of 95.9%, and equity is 8.6% of assets, 9th of 12. Loans grew +2.5% in the year, 11th of 12, and deposits grew 3.5%; the cohort's median loan growth is +8.2%.

Noncurrent loans are 0.47% of the book, 6th of 12 against a median of 0.55%; 0.15% is 30 to 89 days past due, and the allowance covers them 2.2 times. Commercial real estate is 24.1% of loans, 11th of 12 against a median of 0.3%, and 152% of capital, below the 300% screen, with construction at 32% against the 100% screen.

Return on assets is 1.51%, 10th of 12 against a median of 2.07%, on an efficiency ratio of 62.8%, 9th of 12. Five years ago it was 1.57%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.3% AE American Express National Bank 0.0% SM Sallie Mae Bank 0.0% CC Comenity Capital Bank 0.0% SB Synchrony Bank 0.0% WB Wex Bank 0.2% BB BMW Bank of North America 0.2% SB Sofi Bank National Association 0.3% UB UBS Bank USA National Association 1.6% AB Ally Bank 2.4% HB Happen Bank National Association 3.3% ZB Zions Bcorp N A 24.1% OB Optum Bank Inc 63.9%
Loans, year over yearUT banks over $10B · 30 June 2026 · no better direction, largest first
median +8.2% SB Sofi Bank National Association +54.1% OB Optum Bank Inc +25.3% HB Happen Bank National Association +16.9% WB Wex Bank +16.0% BB BMW Bank of North America +8.6% CC Comenity Capital Bank +8.3% AB Ally Bank +8.0% AE American Express National Bank +7.2% UB UBS Bank USA National Association +6.9% SB Synchrony Bank +2.7% ZB Zions Bcorp N A +2.5% SM Sallie Mae Bank -7.0%

SBA 7(a), FY2008 to FY2026

Zions Bcorp N A is the 1st largest 7(a) lender into Utah of 235, with $814M across 5,725 loans, 11.2% of everything approved in the state (Zions Bank, A Division of leads with $814M). 103 of its 282 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Utah, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Salt Lake, UT$287M1st of 1649.4%+0.5 pts
Harris, TX$241M9th of 3143.0%+0.2 pts
Clark, NV$169M5th of 2296.0%+0.2 pts
Los Angeles, CA$135M38th of 3080.7%-0.1 pts
Utah, UT$128M3rd of 1358.8%+0.0 pts
Maricopa, AZ$122M18th of 3031.6%-1.1 pts
San Diego, CA$110M10th of 2382.0%+0.8 pts
Ada, ID$94M2nd of 1338.5%+2.4 pts
Orange, CA$89M23rd of 2561.2%+0.3 pts
Davis, UT$65M1st of 10111.2%+9.1 pts
Fort Bend, TX$50M9th of 1803.3%+0.1 pts
Pima, AZ$50M4th of 1404.7%+1.0 pts
Montgomery, TX$47M7th of 1654.0%+0.8 pts
269 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing1,312$354M12.2%0.89%18th of 2,246
Health care & social assistance1,420$354M12.2%0.75%24th of 2,172
Construction1,775$308M10.6%0.97%21st of 2,063
Retail trade1,325$290M10.0%0.48%44th of 2,589
Accommodation & food services1,054$283M9.8%0.37%67th of 2,596
7(a) lenders into Utah, share of approvals since FY2008235 lenders on record; the ten largest and Zions Bcorp N A
ZB Zions Bank, A Division of 11.2% $814M · 5,725 loans MA Mountain America FCU 7.4% $538M · 3,076 loans CB Community Banks of Colorado, A Di… 5.5% $399M · 434 loans CB Celtic Bank Corporation 5.3% $386M · 660 loans AF America First Federal Credit Union 5.1% $374M · 905 loans WF Wells Fargo Bank National Associa… 5.0% $363M · 1,135 loans LO Live Oak Banking Company 4.3% $315M · 237 loans UB U.S. Bank, National Association 4.0% $293M · 1,066 loans FU First Utah Bank 3.7% $267M · 349 loans GB Glacier Bank 3.6% $261M · 610 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Zions Bcorp N ARankCohort median
Total CRE against capital, the 300% screen152%11th of 122%
Construction against capital, the 100% screen32%12th of 120%
Construction and land development, share of loans5.2%12th of 120.0%
Non-owner-occupied nonfarm nonresidential, share of loans13.2%11th of 120.0%
Total CRE, the guidance definition, share of loans24.1%11th of 120.3%
CRE growth over 36 months, the third prong+3.1%5th of 10+17.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American Express National Bank$213.95B3.7%71.8%0.63%2.39%3.3%100.5%9.0%
Ally Bank$188.18B1.2%49.0%0.85%1.13%2.5%91.9%8.3%
UBS Bank USA National Association$124.44B1.1%26.3%0.12%-0.01%0.1%85.1%7.6%
Synchrony Bank$115.22B2.8%36.8%2.04%5.38%10.2%114.9%12.9%
Zions Bcorp N A$89.04B1.5%62.8%0.47%0.04%1.1%81.7%8.6%
Sofi Bank National Association$56.82B1.9%67.3%0.08%0.07%0.1%99.9%12.8%
Sallie Mae Bank$28.54B2.8%33.0%0.65%1.91%6.4%103.9%10.2%
Optum Bank Inc$21.43B2.5%29.2%0.21%0.22%0.9%60.2%14.8%
Comenity Capital Bank$13.86B1.7%56.2%3.21%7.47%11.4%107.2%13.0%
BMW Bank of North America$13.80B2.2%17.1%0.09%0.19%0.5%107.5%12.8%
Happen Bank National Association$12.48B1.8%74.4%0.82%2.07%2.7%64.9%11.5%
Wex Bank$10.71B4.0%57.3%0.44%1.69%1.3%55.4%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Zions Bcorp N ACohort median
20212026Change20212026Change
Loans$51.46B$62.56B+22%$14.99B$33.92B+126%
Deposits$76.11B$76.62B+1%$16.64B$33.55B+102%
NPA / loans0.61%0.47%-0.14 pts0.64%0.55%-0.09 pts
Efficiency58.6%62.8%+4.3 pts47.2%52.6%+5.3 pts
ROA1.57%1.51%-0.07 pts2.05%2.07%+0.01 pts

This read was prepared for Zions Bcorp N A's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Zions Bcorp N A is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort UT banks over $10B
Institution www.zionsbancorporation.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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