Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. vs Optum Bank, Inc.
Metric by metric
| Measure | Zions Bancorporation, N.A. | Optum Bank, Inc. |
|---|---|---|
| TellerScore | 67 | 93 (stronger) |
| Capital cushion | 44 | 82 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 63rd | 100th |
| Total assets | $89.0B | $21.4B |
| Deposits / shares | $76.6B | $16.5B |
| Capital ratio | 9.43% | 13.22% (stronger) |
| Problem loans | 0.47% | 0.21% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.23% |
| Return on assets | 1.55% | 2.55% (stronger) |
| Loans ÷ deposits | 80.8% | 59.7% (stronger) |
| Uninsured deposits | 46.2% | 3.8% (stronger) |
| Offices | 407 | 1 |
| CFPB complaints (3 yrs) | 364 | 654 |
| Complaints per $1B deposits | 4.8 (stronger) | 39.6 |
| Mortgage denial rate (HMDA) | 30.7% | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 67). On the 8 directional measures above (where higher or lower is clearly better), Zions Bancorporation, N.A. leads on 2 and Optum Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.