The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 8 points (59 → 67), mostly because the earnings component improved by 25 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Utah

Yes. Zions Bancorporation, N.A. is an FDIC-insured institution (FDIC certificate #2270). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.2% of deposits ($35.4B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.02% (benchmark: 10%).

Check how much of your own balance is covered

Zions Bancorporation, N.A. lists 407 offices in 279 cities across 11 states. Most locations:

• Houston, TX (17)
• Las Vegas, NV (17)
• Salt Lake City, UT (10)
• San Diego, CA (7)
• Denver, CO (6)
• San Antonio, TX (6)
• Dallas, TX (5)
• Henderson, NV (5)
• Phoenix, AZ (5)
• Los Angeles, CA (4)
• Tucson, AZ (4)
• Mesa, AZ (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 364 consumer complaints about ZIONS BANCORPORATION to the company (169 in the last 12 months). 100.0% received a timely response. That is 4.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Zions Bancorporation, N.A. reported 17,142 home-loan applications under HMDA (LEI 8WH0EE09O9V05QJZ3V89): 8,981 originated ($4,717,415,000 total), 5,212 denied, and 168 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Zions Bancorporation, N.A.

Former names

Zions First National Bank; Utah First National Bank of Salt Lake City; ZB, National Association; First National Bank of Salt Lake City; The Utah State National Bank of Salt Lake City

Type

National bank

FDIC certificate #

2270

RSSD ID

276579

Primary regulator

OCC

Established

July 6, 1873

Headquarters

1 S Main St, Salt Lake City, UT 84133

Website

www.zionsbancorporation.com

Employees

9,039