Zions Bank

1 S Main Street
Salt Lake City, UT 84133


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2270
Date Established 1873
Assets $66.30 billion
Loans $44.70 billion
Deposits $53.34 billion
Capital $7.58 billion

Zions Bank is an FDIC insured institution located in Salt Lake City, UT. It was founded in 1873 and has approximately $66.3 billion in assets. Customers can open an account at one of its 478 branches.

For a more detailed analysis of Zions Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Zions Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Utah, ZB, National Association has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.17
Credit Card Loans 0.41
Consumer Auto Loans 0.17
Small Business Loans 6.45
Construction and Development Loans 6.64
Commercial Real Estate 31.63
Commercial and Industrial Loans 25.94
Farm Loans 0.47

Deposit Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.20% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.50% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.50% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
2.10% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1 $1,999 Learn MoreShow Less
0.15% $1,000 $4,999 Learn MoreShow Less
0.15% $5,000 $24,999 Learn MoreShow Less
0.20% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.07% $1 $999 Learn MoreShow Less
0.07% $2,500 $4,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Anytime Checking 0.00% $0 $0.00 Learn MoreShow Less
Anytime Interest Checking 0.00% $1 $10.00 Learn MoreShow Less
Premium Interest Checking 0.04% $10 $20.00 Learn MoreShow Less

Bank Online Offers

Loan Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 4.23% 4.14% $461.99 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Zions Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Zions Bank Locations

Financial Details

Zions Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Zions Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Zions Bank U.S. Bank Average
5.06% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, Zions Bank had $402,803,000 in non-current loans and $4,759,000 in owned real estate. To cover these potential losses it had $7,575,029,000 in equity and $472,650,000 in loans loss reserves. That gives it a Texas Ratio of 5.06%.

Return on Equity
Zions Bank U.S. Bank Average
13.08% 9.35%

Zions Bank has a Return on Equity of 13.08% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Zions Bank U.S. Bank Average
11.43% 12.01%

Zions Bank has a Capitalization of 11.43% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Zions Bank Balance Sheet Analysis

As of March 31, 2018, Zions Bank had assets of $66,301,344,000, loans of $44,700,353,000, and deposits of $53,338,857,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $1.19 billion
Interest-bearing balances $0.43 billion
Total securities $15.64 billion
Federal funds sold and reverse repurchase $0.70 billion
Net loans and leases $44.70 billion
Loan loss allowance $0.47 billion
Trading account assets $0.17 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $1.04 billion
All other assets $1.98 billion
     Total Assets $58.73 billion
Total deposits $53.34 billion
      Interest-bearing deposits $29.39 billion
      Deposits held in domestic offices $53.34 billion
      % insured (estimated) 52.63%
Federal funds purchased and repurchase agreements $0.32 billion
Trading liabilities $0.15 billion
Other borrowed funds $4.45 billion
Subordinated debt $0.00 billion
All other liabilities $0.46 billion
      Total Liabilities $58.73 billion
      Shareholders’ Equity $7.58 billion

Summary Income Statement

Total Interest Income $0.59 billion
Total Interest Expense $0.04 billion
Net interest income $0.55 billion
Provision for loan and lease losses $-0.04 billion
Total non interest income $0.13 billion
Total non interest expense $0.40 billion
Pre-tax Net Operating Income $0.32 billion

Frequently Asked Questions About Zions Bank

Branches and Savings

Is Zions Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2270.

Why does Zions Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Zions Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Zions Bank a commercial bank?


Where are Zions Bank locations?

See branch locations nearby.

Is Zions Bank open on Saturdays?

Is Zions Bank open on Sundays?

What time does Zions Bank open?

What time does Zions Bank close?

Are Zions Bank ATMs Open 24/7?

Do Zions Bank ATMs accept cash deposits?

Can Zions Bank customers use other ATMs?

Do Zions Bank branches have notaries?

Will Zions Bank notarize my document?

What address for Zions Bank should I put for incoming ACH transfers?

Will the Zions Bank branch print checks?

Do Zions Bank checks expire?

Does Zions Bank require US citizenship to open account?

Can Zions Bank close my account?

Does Zions Bank Report to credit bureaus?

Does Zions Bank Use Equifax?

What is Zions Bank's ACH Routing Number?

What is Zions Bank's SWIFT code?


Does Zions Bank offer mortgages?

Compare mortgage rates here.

Does Zions Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Zions Bank offer personal loans?

Compare personal loan rates here.

Does Zions Bank offer student loans?

Will Zions Bank cash a check?

Will Zions Bank redeem a savings bond?

Does Zions Bank cash savings bonds?

Will Zions Bank cash money orders?

Can Zions Bank issue a money order?

Does Zions Bank do currency exchange?

Background on The Bank

Who owns Zions Bank?

How long has Zions Bank been around?

Can Zions Bank transfer to other banks?

Does Zions Bank have quick pay?

Does Zions Bank accept rolled coins?

Will Zions Bank accept loose change?

Where is Zions Bank headquarters?

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