Vitals
  • Total Assets
    63.1B 6.2 %
  • Total Deposits
    53.8B 5.0 %
  • Total Net Loans
    42.3B 5.1 %
  • Net Income
    493.3M 20.7 %
  • Book Value
    7.6B 3.4 %
  • Book Value x2
    15.1B 3.4 %
  • Book Value x3
    22.7B 3.4 %
ROAA

.826

ROAE

6.57

Efficiency Ratio

64.431

Net Interest Margin

3.444

Balance Sheet Highlights
Financial Highlights Zb, National Association All Insured Commercial Banks in Utah
Balance Sheet $(000)
Total Assets 63,076,162 4,912,170
Total Net Loans 42,253,677 3,384,143
Total Deposits 53,819,075 4,143,202
Total Equity 7,564,051 557,185
Profitability
Net Income 493,327 63,059
Return on Average Assets .826 1.948
Return on Average Equity 6.57 13.309
Net Interest Margin 3.444 5.332
Efficiency Ratio 64.431 52.902
Noninterest Income/Revenue 19.814 17.847
Balance Sheet Ratios
Loan-to-Deposit 78.511 82.591
Securities/Assets .225 .161
Total Equity/Total Assets .12 .113
Tangible Equity/Tangible Assets .09 .113
Capital Adequacy
Tier 1 Common Capital 5,824,090 503,365
Tier 1 Capital 6,654,990 526,634
Tier 2 Capital 622,997 26,392
Total Capital 7,277,987 554,451
Total Risk Weighted Assets 49,829,995 3,042,819
Leverage Ratio 10.99 12.466
Common Equity Tier 1 Capital Ratio 11.69 16.659
Tier 1 Capital Ratio 13.36 16.843
Total Capital Ratio 14.61 17.925

Timeline for Zb, National Association

Nevada State Bank

Acquisition: Zb, National Association acquired a new subsidiary, Nevada State Bank, 8 years

View Profile Dec 31 2015

Amegy Bank National Association

Acquisition: Zb, National Association acquired a new subsidiary, Amegy Bank National Association, 8 years

View Profile Dec 31 2015

California Bank & Trust

Acquisition: Zb, National Association acquired a new subsidiary, California Bank & Trust, 8 years

View Profile Dec 31 2015

Vectra Bank Colorado, National Association

Acquisition: Zb, National Association acquired a new subsidiary, Vectra Bank Colorado, National Association, 8 years

View Profile Dec 31 2015

National Bank Of Arizona

Acquisition: Zb, National Association acquired a new subsidiary, National Bank Of Arizona, 8 years

View Profile Dec 31 2015

Want to see more?

Complete timeline for Zb, National Association is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Nevada State Bank Seller 4,340,636 Pooling of Interests Discontinued 12/31/2015
Amegy Bank National Association Seller 13,866,095 Pooling of Interests Discontinued 12/31/2015
California Bank & Trust Seller 11,960,432 Pooling of Interests Discontinued 12/31/2015
Vectra Bank Colorado, National Association Seller 3,317,609 Pooling of Interests Discontinued 12/31/2015
National Bank Of Arizona Seller 435,558 Pooling of Interests Discontinued 12/31/2015
Zions Management Services Company Seller Pooling of Interests Discontinued 12/31/2015
The Commerce Bank Of Washington, National Association Seller 1,080,753 Pooling of Interests Discontinued 12/31/2015
Draper Bank And Trust Seller 242,349 Pooling of Interests Discontinued 1/27/2001
Tri-State Bank Seller 25,646 Acquisition Discontinued 8/16/1997
First Western National Bank Seller 36,534 Acquisition Discontinued 6/6/1995
Wasatch Bank Seller 70,928 Discontinued 10/30/1993
Home Savings Bank, F.S.B. Seller 5,839 Failure 2/29/1992
Deseret Savings And Loan Association, F.A. Seller 127,333 Failure 5/26/1990
Sandy State Bank Seller 8,946 Failure 5/28/1988
Basin State Bank Seller 11,982 Failure 2/13/1988
Foothill Thrift And Loan Company Seller Discontinued 4/4/1987
The Lockhart Co. Seller 83,044 Discontinued 12/31/1986
Pioneer State Bank Seller 11,698 Failure 1/25/1986
Zions First National Bank Of Cedar City Seller 6,220 Discontinued 12/11/1981
Zions First National Bank Of Orem Seller 4,284 Discontinued 12/11/1981
The First National Bank Of Logan Seller 70,029 Discontinued 1/2/1981
Zions First National Bank Of Ogden Seller 12,854 Discontinued 12/1/1978
Richfield Commercial And Savings Bank Seller 20,862 Discontinued 1/11/1978
First State Bank Seller 44,438 Discontinued 1/11/1978
Carbon Emery Bank Seller 32,854 Discontinued 8/1/1973
Bank Of Vernal Seller 14,219 Discontinued 6/1/1973
Bountiful State Bank Seller Discontinued 10/1/1970
Bank Of St. George Seller Discontinued 7/1/1970
Bank Of Commerce Seller Discontinued 5/30/1970
Utah National Office Seller Discontinued 12/31/1969
Spanish Fork Branch Seller Discontinued 9/3/1968
Kearns Branch Seller Discontinued 5/1/1962
Relationships Role Relationship Start Relationship End
Zions Bancorporation Parent 4/7/1972
Zions Bancorporation Parent 6/8/1971 4/6/1972
Zions Utah Bancorporation Parent 12/31/1970 6/7/1971
Zions Credit Corporation Subsidary 6/30/2007
Zions Direct, Inc. Subsidary 6/30/2007
Zions Public Finance, Inc. Subsidary 6/30/2007
Neighborhood Bancorp Subsidary 12/31/2015
Amegy Mortgage Company, L.L.C. Subsidary 12/31/2015
Zions Sbic, L.L.C. Subsidary 12/22/2000
Amegy Insurance Agency, Inc. Subsidary 12/31/2015
Wasatch Venture Fund Iii, Llc Subsidary 11/16/2001
Amegy Investments, Inc. Subsidary 12/31/2015
Exchange Services, Llc Subsidary 2/12/2008
Zmfu-Amegy, Inc. Subsidary 12/31/2015
Zmfu-Zfnb, Inc. Subsidary 6/30/2009
Zions Community Investment Corp. Subsidary 6/30/2007 3/31/2014
Dst Holding, Inc. Subsidary 3/12/2002 1/16/2014
Hidden Oaks V, L.C. Subsidary 6/14/1993 6/14/2013
Utah Crown I, L.C. Subsidary 11/2/1994 6/14/2013
Kane Creek Associates, Llc Subsidary 1/18/1995 6/14/2013
Lorin Farr Crown, L.C. Subsidary 1/28/1995 6/14/2013
Washington Mill, L.C. Subsidary 12/22/1995 6/14/2013
Silver Meadows Estates, L.C. Subsidary 5/8/1995 5/22/2013
Crimson Court Apartments, L.C. Subsidary 10/17/1996 5/1/2012
Enterprise Vault, Inc. Subsidary 6/30/2007 9/2/2011
Wasatch Venture Corporation Subsidary 9/26/1996 12/30/2010
Mill Hollow Apartments, L.C. Subsidary 1/12/1995 7/13/2010
Wasatch Venture Fund Ii, Llc Subsidary 2/15/1999 6/30/2010
Four Corners, L.C. Subsidary 12/27/1994 4/27/2010
Kelling, Northcross & Nobriga, Incorporated Subsidary 6/30/2007 3/1/2010
Zions Bank International Subsidary 6/30/2007 9/10/2009
Eagles Restoration, Llp Subsidary 6/24/1999 12/29/2008
Blue Mountain Dine Associates Llc Subsidary 2/5/1998 10/13/2008
Zfnb Investment Company, Inc. Subsidary 6/30/2007 6/24/2008
Holladay Hills, L.C. Subsidary 4/30/1993 6/23/2008
Smith Apartments, L.C. Subsidary 10/27/1993 5/1/2008
Welman Holdings, Inc. Subsidary 6/10/2004 12/31/2007
Zions Credit Corporation Subsidary 1/1/1997 6/29/2007
Zions Direct, Inc. Subsidary 9/1/1991 6/29/2007
Zions Public Finance, Inc. Subsidary 8/18/1993 6/29/2007
Kelling, Northcross & Nobriga, Incorporated Subsidary 6/29/1997 6/29/2007
Zfnb Investment Company, Inc. Subsidary 8/4/2000 6/29/2007
Enterprise Vault, Inc. Subsidary 10/31/2001 6/29/2007
Zions Bank International Subsidary 4/7/2004 6/29/2007
Zions Community Investment Corp. Subsidary 9/17/2004 6/29/2007
Zions Institutional Capital Trust A Subsidary 12/18/1996 12/15/2006
Panco, Inc. Subsidary 3/17/2004 6/9/2004
Zions Employee Benefits, L.C. Subsidary 10/24/1995 12/29/2003
Pinnacle Cash Systems, L.L.C. Subsidary 10/30/1996 12/29/2003
Macc Private Equities, Inc. Subsidary 12/15/1998 9/29/2003
Digital Signature Trust Company Subsidary 3/27/1998 4/29/2002
Ftl Asset Fund, Inc. Subsidary 4/4/1987 8/31/2001
Zions Asset Recovery Inc. Subsidary 6/20/1991 8/31/2001
Dwmc, L.L.C. Subsidary 12/13/1999 8/31/2001
Star Systems, Inc. Subsidary 3/1/1999 1/31/2001
Zions Preferred Funding Corporation Subsidary 7/29/1997 10/19/1999
Nevada Municipal Consultants, Inc. Subsidary 1/1/1997 6/8/1999
Zions Mortgage Company Subsidary 10/1/1993 5/31/1999
Star System, Inc. Subsidary 5/2/1996 2/28/1999
Macc Private Equities, Inc. Subsidary 6/12/1996 12/14/1998
Wasatch Venture Corporation Subsidary 7/1/1994 9/25/1996
Wasatch Venture Corporation Subsidary 4/29/1994 6/30/1994
American Equity Corporation Subsidary 4/4/1987 6/29/1989
Zions Mortgage Company Subsidary 10/2/1985 5/31/1986
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