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Zions Bancorporation Na

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #276579 2025-Q1 Vital Signs Score: 83/100 — 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 2.96% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -2
75
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 78.1%, cash 3.0% of assets.

Cash / Assets
2.96%
Loans / Deposits
78.09%
Brokered %
8.57%

Watch Items

  • infoCash / Assets below 3% — Cash 2.96% 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 0
64
Sub-score

Capital position is stable: Tier 1 RBC 10.93%, CET1 10.83%, leverage 8.22%.

Tier 1 RBC
10.93%
CET1
10.83%
Leverage
8.22%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 3.9%, NCO YTD 0.11%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.11%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
83
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 219.9%, true coverage 87.8%.

ALLL / Loans
1.16%
Coverage
219.9%
True Loss Coverage
87.8%
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