Side-by-side · Q2 2026 data
The Citizens Bank vs Zions Bancorporation, N.A.
Metric by metric
| Measure | The Citizens Bank | Zions Bancorporation, N.A. |
|---|---|---|
| TellerScore | 80 (stronger) | 67 |
| Capital cushion | 41 | 44 (stronger) |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 84 (stronger) | 45 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 77th | 63rd |
| Total assets | $804.3M | $89.0B |
| Deposits / shares | $697.5M | $76.6B |
| Capital ratio | 9.11% | 9.43% (stronger) |
| Problem loans | 0.02% (stronger) | 0.47% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 2.06% (stronger) | 1.55% |
| Loans ÷ deposits | 44.5% (stronger) | 80.8% |
| Uninsured deposits | 29.8% (stronger) | 46.2% |
| Offices | 6 | 407 |
| CFPB complaints (3 yrs) | — | 363 |
| Complaints per $1B deposits | — | 4.7 |
| Mortgage denial rate (HMDA) | 16.9% | 30.7% |
The Citizens Bank has the higher TellerScore (80 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Zions Bancorporation, N.A. on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.