Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. vs First National Bank, Cortez
Metric by metric
| Measure | Zions Bancorporation, N.A. | First National Bank, Cortez |
|---|---|---|
| TellerScore | 67 (stronger) | 53 |
| Capital cushion | 44 | 50 (stronger) |
| Loan quality | 84 (stronger) | 36 |
| Earnings | 82 (stronger) | 44 |
| Funding & liquidity | 45 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 75 |
| Peer percentile | 63rd | 9th |
| Total assets | $89.0B | $156.9M |
| Deposits / shares | $76.6B | $137.2M |
| Capital ratio | 9.43% | 9.98% (stronger) |
| Problem loans | 0.47% (stronger) | 1.92% |
| Net charge-offs | 0.04% (stronger) | 1.10% |
| Return on assets | 1.55% (stronger) | 0.60% |
| Loans ÷ deposits | 80.8% | 73.6% (stronger) |
| Uninsured deposits | 46.2% | 18.1% (stronger) |
| Offices | 407 | 1 |
| CFPB complaints (3 yrs) | 363 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Zions Bancorporation, N.A. has the higher TellerScore (67 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Zions Bancorporation, N.A. leads on 4 and First National Bank, Cortez on 3. 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.
Where both have branches
- Cortez, CO