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Examined: Sat, 25 Apr 2026 19:39:04 GMT

Zions Bancorporation, N.A.

RSSD 276579 · UT · Total assets $88,990M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Liquidity Procedure L-04

Cash and due-from coverage is unusually low

Citation
FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet
Evidence
Cash and balances at depositories $2,489M against total assets $88,775M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.
Recommended action
Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Key ratios computed

Tier 1 ratio
10.98%
↑ rank 32 of 33 · regional
Tier 1 leverage
8.34%
↑ rank 29 of 34 · regional
Total capital
13.34%
↑ rank 21 of 34 · regional
NPL ratio
0.53%
ACL coverage
221.05%
CRE concentration
85.85%
Construction conc.
40.95%
ROA (annualized)
0.90%
↑ rank 24 of 34 · regional
NIM
3.03%
↑ rank 23 of 34 · regional
Efficiency ratio
65.15%
↓ rank 27 of 34 · regional
Loans / Deposits
77.62%
Brokered / Deposits
9.18%
Uninsured / Deposits
43.89%
Liquid asset ratio
2.80%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$88,775M
23Q03$88,574M 23Q06$87,230M 23Q09$87,269M 23Q12$87,203M 24Q03$87,060M 24Q06$87,606M 24Q09$87,032M 24Q12$88,775M
Tier 1 leverage
8.34%
23Q037.81% 23Q068.05% 23Q098.33% 23Q128.34% 24Q038.41% 24Q068.49% 24Q098.62% 24Q128.34%
Tier 1 RBC ratio
10.98%
23Q0310.59% 23Q0610.66% 23Q0910.87% 23Q1210.91% 24Q0311.01% 24Q0611.21% 24Q0911.36% 24Q1210.98%
ROA (YTD ann.)
0.90%
23Q030.92% 23Q060.86% 23Q090.84% 23Q120.77% 24Q030.70% 24Q060.81% 24Q090.87% 24Q120.90%
NIM (YTD ann.)
3.03%
23Q033.33% 23Q063.14% 23Q093.08% 23Q123.04% 24Q032.93% 24Q062.95% 24Q093.01% 24Q123.03%
Efficiency ratio
65.1%
23Q0360.7% 23Q0662.8% 23Q0963.4% 23Q1267.1% 24Q0370.7% 24Q0668.0% 24Q0966.3% 24Q1265.1%

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