Zions Bcorp N A: Bank Stress & Real-Estate Credit Exposure

Bank stress at Zions Bcorp N A (FDIC Cert #2270) registers 64/100 on DLRadar's scale — a elevated reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Los Angeles County, CA, Harris County, TX, Maricopa County, AZ, San Diego County, CA, among others DLRadar tracks parcel by parcel. Zions Bcorp N A runs a broad, nationally dispersed real-estate lending footprint — 112 U.S. counties across 11 states, spanning 3,084 ZIP codes. It concentrates most in Utah (23 counties), Colorado (17 counties), Idaho (16 counties), Arizona (15 counties). DLRadar does not model Zions Bcorp N A in isolation: the 3,084-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 112 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. What separates this from a plain credit rating is the geographic weighting — Zions Bcorp N A's 64/100 reading reflects not just its balance sheet but the 112 counties it lends into, so the score doubles as a map of where its stress will land first. The Zions Bcorp N A score updates as fresh FDIC call reports post each quarter, so its 64/100 reading and 112-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Zions Bcorp N A is directly comparable to any lender in the country. A elevated score on a footprint this size means the markets Zions Bcorp N A touches inherit a corresponding share of that lending pressure.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Zions Bcorp N A tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.