Side-by-side · Q2 2026 data
Zions Bancorporation, N.A. vs Utah Independent Bank
Metric by metric
| Measure | Zions Bancorporation, N.A. | Utah Independent Bank |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 84 (stronger) | 39 |
| Earnings | 82 | 100 (stronger) |
| Funding & liquidity | 45 | 70 (stronger) |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 63rd | 75th |
| Total assets | $89.0B | $170.9M |
| Deposits / shares | $76.6B | $143.2M |
| Capital ratio | 9.43% | 16.31% (stronger) |
| Problem loans | 0.47% (stronger) | 1.82% |
| Net charge-offs | 0.04% | -0.07% (stronger) |
| Return on assets | 1.55% | 3.43% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 83.6% |
| Uninsured deposits | 46.2% | 20.8% (stronger) |
| Offices | 407 | 4 |
| CFPB complaints (3 yrs) | 363 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Utah Independent Bank 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 Utah Independent Bank 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.
Where both have branches
- Salina, UT