Zions Bancorporation NA
zionsbancorporation.comZions Bancorporation NA (NASDAQ: ZION) is a commercial banking company that provides lending, deposit, and financial services primarily to small- and medium-sized businesses across the United States. It earns revenue through net interest income on loans and investment securities, and through fee-based services including cash management, capital markets, and mortgage products. Zions operates through a network of affiliate bank divisions, including Amegy Bank, California Bank & Trust, and National Bank of Arizona, each serving distinct regional markets. As of December 31, 2025, Zions held $89.0 billion in total assets and maintained a CET1 capital ratio of 11.5%, exceeding the 7.0% minimum requirement with conservation buffer under the Basel III framework. The company competes with large national banks, regional banks, credit unions, finance companies, and nondepository financial institutions. Its competitive position rests on local market knowledge, branch and office network accessibility, and customer relationships built around commercial and small business banking.
Products & Services
Commercial and industrial lending, owner-occupied real estate lending, SBA 7(a) and 504 loan programs, municipal and public finance services, depository and cash management accounts, commercial and small business credit cards, mortgage products, capital markets services, and wealth management. Products are delivered through digital platforms and traditional branch channels.
Revenue Model
Net interest income generated from commercial and industrial loans, owner-occupied real estate lending, SBA loans, and investment securities, supplemented by fee income from cash management, capital markets advisory, mortgage banking, and card services.
Customers & Markets
Primarily small- and medium-sized businesses. Also serves municipal and public finance clients, individual consumers for mortgage and retail banking, and commercial real estate borrowers.
Geographic Exposure
United States regional banking footprint operated through affiliate bank divisions including Amegy Bank, California Bank & Trust (CB&T), and National Bank of Arizona (NBAZ), among others, each serving distinct geographic markets.
Financial Snapshot
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