Zions Bancorporation, National Association (ZION) Balance Sheet: Assets & Liabilities

Zions Bancorporation, National Association (ZION) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Zions Bancorporation, National Association reported total assets of $88.99B and total liabilities of $81.81B. Shareholders' equity was $7.18B, up 17.2% from $6.12B a year earlier. Total debt stood at $4.34B against $12.18B in cash and short-term investments, a net cash position of $7.84B. That puts debt-to-equity at 0.61, compared with 0.57 a year earlier.

Zions Bancorporation, National Association Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Zions Bancorporation, National Association (ZION) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	2.89	3.50	1.65	2.00	10.88	1.62	1.45	1.23	1.33
Short-Term Investments	9.30	9.10	10.30	11.92	24.05	15.73	13.73	14.74	15.16
Cash & Short-Term Investments	12.18	12.63	12.50	13.91	34.93	17.35	15.17	15.97	16.49
Accounts Receivable	0.00	0.38	0.38	0.39	0.33	0.32	0.33	0.33	0.36
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	12.18	13.01	12.89	14.30	35.25	17.67	15.51	16.30	16.86
Non-Current Assets
Property, Plant & Equipment (Net)	1.36	1.37	1.40	1.41	1.32	1.21	1.14	1.12	1.09
Long-Term Investments	69.32	68.38	67.47	66.12	50.84	53.37	48.92	47.10	45.08
Goodwill	1.06	1.03	1.06	1.03	1.01	1.01	1.01	1.01	1.01
Intangible Assets	0.03	0.03	0.03	0.04	0.00	0.00	0.00	0.00	0.00
Other Non-Current Assets	5.04	4.97	4.39	6.66	4.78	8.22	2.59	3.21	2.24
Total Non-Current Assets	76.81	75.77	74.32	75.25	57.95	63.81	53.67	52.45	49.43
Total Assets	88.99	88.78	87.20	89.55	93.20	81.48	69.17	68.75	66.29
Current Liabilities
Accounts Payable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Short-Term Debt	2.87	2.53	4.00	7.10	0.90	1.57	2.05	5.65	4.98
Other Current Liabilities	75.64	76.22	74.96	71.65	82.79	69.65	57.09	54.10	52.62
Total Current Liabilities	78.52	79.64	78.96	82.07	83.69	71.23	59.14	59.75	57.60
Non-Current Liabilities
Long-Term Debt	1.47	0.95	0.54	0.65	1.01	1.34	1.72	0.72	0.38
Other Non-Current Liabilities	1.82	2.06	2.01	1.93	1.03	1.03	0.96	0.69	0.63
Total Non-Current Liabilities	3.29	3.01	2.55	2.58	2.05	2.37	2.68	1.41	1.01
Total Liabilities	81.81	82.65	81.51	84.65	85.74	73.59	61.82	61.17	58.61
Stockholders' Equity
Common Stock	1.73	1.74	1.73	1.75	1.93	2.69	2.74	3.81	4.45
Retained Earnings	7.33	6.70	6.21	5.81	5.18	4.31	4.01	3.46	2.81
Accumulated Other Comprehensive Income	-1.94	-2.38	-2.69	-3.11	-0.08	0.33	0.04	-4.06	-0.14
Additional Paid-in Capital	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.81	0.00
Shares Outstanding	0.15	0.15	0.15	0.15	0.15	-	-	-	-
Total Stockholders' Equity	7.18	6.12	5.69	4.89	7.46	7.89	7.35	7.58	7.68
Total Liabilities & Equity	88.99	88.78	87.20	89.55	93.20	81.48	69.17	68.75	66.29

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Zions Bancorporation, National Association Balance Sheet

How much debt does Zions Bancorporation, National Association have?

Zions Bancorporation, National Association had total debt of $4.34B as of Dec 31, 2025, against $12.18B in cash and short-term investments. Its debt-to-equity ratio was 0.61. Total debt was $3.47B a year earlier.

What are Zions Bancorporation, National Association's total assets?

Zions Bancorporation, National Association reported total assets of $88.99B as of Dec 31, 2025, up 0.2% from $88.78B a year earlier. Total liabilities were $81.81B.

What is Zions Bancorporation, National Association's shareholders' equity?

Zions Bancorporation, National Association's shareholders' equity was $7.18B as of Dec 31, 2025, or about $48.63 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition