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Zions Bancorporation Na

IDRSSD: 276579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q3QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #276579 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.33% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -2
73
Sub-score

Liquidity is stable: brokered 9.9%, loans/deposits 76.8%, cash 2.3% of assets.

Cash / Assets
2.33%
Loans / Deposits
76.79%
Brokered %
9.86%

Watch Items

  • infoCash / Assets below 3% — Cash 2.33% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.89%
No watch items at this period.

Capitalization

StableQoQ +2
66
Sub-score

Capital position is stable: Tier 1 RBC 11.36%, CET1 10.71%, leverage 8.47%.

Tier 1 RBC
11.36%
CET1
10.71%
Leverage
8.47%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 4.4%, NCO YTD 0.02%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.02%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
86
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 187.3%, true coverage 109.1%.

ALLL / Loans
1.18%
Coverage
187.3%
True Loss Coverage
109.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:20:09 UTC