Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. vs Happen Bank, National Association
Metric by metric
| Measure | Zions Bancorporation, N.A. | Happen Bank, National Association |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 44 | 60 (stronger) |
| Loan quality | 84 (stronger) | 73 |
| Earnings | 82 | 93 (stronger) |
| Funding & liquidity | 45 | 97 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 63rd | 94th |
| Total assets | $89.0B | $12.5B |
| Deposits / shares | $76.6B | $10.9B |
| Capital ratio | 9.43% | 10.98% (stronger) |
| Problem loans | 0.47% (stronger) | 0.82% |
| Net charge-offs | 0.04% (stronger) | 2.15% |
| Return on assets | 1.55% | 1.82% (stronger) |
| Loans ÷ deposits | 80.8% | 63.1% (stronger) |
| Uninsured deposits | 46.2% | 12.0% (stronger) |
| Offices | 407 | 1 |
| CFPB complaints (3 yrs) | 363 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Happen Bank, National Association has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Zions Bancorporation, N.A. leads on 2 and Happen Bank, National Association on 5. 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.