Bank · FDIC insured
Zions Bank
A $89B bank, the 35th largest of 4,207, headquartered in Salt Lake City, UT, with 408 branches in 11 states. Best rates: CDs 3.05% and savings 0.02% APY.
Zions Bank Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#99 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Zions Bank
- Headquarters
- 1 S Main St, Salt Lake City, UT 84133
- FDIC certificate
- 2270 ↗
Branches
408 branches in 11 states
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Utah
92 branchesCalifornia
77 branchesTexas
77 branchesArizona
56 branchesNevada
43 branchesColorado
33 branchesIdaho
25 branchesWashington
2 branches
- Bellevue Branch10900 Ne 4th St, Bellevue, WA 98004Directions
- Seattle Br601 Union St, Seattle, WA 98101Directions
New Mexico
1 branchOregon
1 branchWyoming
1 branchWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.43% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.47% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.55% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $82 | $85 | — |
- CapitalLeverage ratio9.43%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.55%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$82Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Zions Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.