This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Cottonwood Heights, UT
Health score
82.8
Total assets
$56.8B
Bank
Salt Lake City, UT
Health score
83.0
Total assets
$89.0B
Answer first
SoFi Bank, National Association leads on capitalization and profitability and lending quality and growth; Zions Bancorporation, N.A. leads on financial health. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Zions Bancorporation, N.A.
Higher TFS health score
Capitalization
SoFi Bank, National Association
Higher comparable capital ratio
Profitability
SoFi Bank, National Association
Higher return on assets
Lending quality
SoFi Bank, National Association
Lower problem-loan measure
Growth
SoFi Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | SoFi Bank, National Association | Zions Bancorporation, N.A. |
|---|---|---|
| TFS health score | 82.8/100 | 83.0/100Leads |
| Total assets | $56.8B | $89.0B |
| Total deposits / shares | $46.8B | $76.6B |
| Tier 1 capital ratio | 13.34%Leads | 9.43% |
| Return on assets | 1.98%Leads | 1.55% |
| Return on equity | 15.41% | 18.57% |
SoFi Bank, National Association
4 branches
Zions Bancorporation, N.A.
414 branches
Both institutions report branches in 2 states: CA, UT.
SoFi Bank, National Association
3,524 parent-company
Zions Bancorporation, N.A.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Observed matched-date windows: SoFi Bank, National Association: 2025-08-14–2026-08-13 · Zions Bancorporation, N.A.: mapping unavailable
SoFi Bank, National Association
0 in TFS registry
Zions Bancorporation, N.A.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | SoFi Bank, National Association score | SoFi Bank, National Association ROA | Zions Bancorporation, N.A. score | Zions Bancorporation, N.A. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.71% | — | 0.87% |
| 2024-Q4 | — | 1.72% | — | 0.90% |
| 2025-Q1 | — | 2.13% | — | 0.77% |
| 2025-Q2 | — | 2.05% | — | 0.94% |
| 2025-Q3 | — | 2.01% | — | 0.96% |
| 2025-Q4 | — | 1.96% | — | 1.01% |
| 2026-Q1 | 84.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.08%Leads | 0.47% |
| Net charge-offs | 0.08% | 0.04%Leads |
| Efficiency ratio | 67.20% | 62.57%Leads |
| Loan-to-deposit ratio | 99.75% | 80.79% |
| Asset growth (YoY) | 56.60%Leads | 0.17% |
| Deposit / share growth (YoY) | 57.39%Leads | 3.46% |
| Branches | 4 | 414 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | 75.329 | — |
| 2.03% |
| 80.3/100 |
| 1.05% |
| 2026-Q2 | 82.8/100 | 1.98% | 83.0/100 | 1.55% |