Zions Bancorporation, National Association
zionsbancorporation.comWhat Do They Do?
Provides banking services, including loans, deposits and advisory services, to businesses, public entities and consumers.
10-K for FY2025, filed Feb 24, 2026Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt…View ↗
We support a broad range of commercial customers, primarily small- and medium-sized businesses. Our suite of products and services includes:View ↗
Commercial, industrial, and owner-occupied lending and leasing, including SBA 7(a) and 504 lending programs Municipal and public finance…View ↗
We offer customized financing solutions to help customers raise capital efficiently, execute strategic transactions, and manage exposure to…View ↗
Retail BankingView ↗
Residential mortgage lending Home equity lines of credit Personal lines of credit and installment loans Depository account services…View ↗
How Do They Make Money?
Customers pay fees for commercial-account, card, deposit, capital-markets, wealth-management and other services; the bank earns them as services are performed or completed, and bills treasury-management fees monthly.
10-K for FY2025, filed Feb 24, 2026Commercial account fee income primarily includes account analysis fees, merchant services fees, and payroll services income. Revenue is…View ↗
Card fee income primarily includes interchange fees from credit and debit card transactions, net fees from merchant card processing, and…View ↗
Retail and business banking fees relate to deposit account services provided to customers. These fees primarily include insufficient funds…View ↗
Capital markets fees and income primarily include fees from municipal advisory services, securities underwriting, and investment banking…View ↗
Wealth management fees primarily consist of commissions and other portfolio and advisory service fees. Revenue is recognized as services…View ↗
Other customer-related fees generally include income sources such as compliance and support services to pharmacies and healthcare…View ↗
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10-K for FY2025, filed Feb 24, 2026
FY2025 revenue by product or service (Total noninterest income from contracts with customers) ↗
$662M
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10-K for FY2025, filed Feb 24, 2026
$662M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Commercial account fees
|
35%
FY2022: 32%
|
Commercial account fees, FY2025
$185M Sources
|
|
|
Card fees
Usage-based
10-K for FY2025, filed Feb 24, 2026 |
26%
FY2022: 30%
|
Card fees, FY2025
$139M Sources
|
Usage-based |
|
Retail and business banking fees
Recurring
10-K for FY2025, filed Feb 24, 2026 |
14%
FY2022: 15%
|
Retail and business banking fees, FY2025
$74M Sources
|
Recurring |
|
Capital markets fees and income
|
3.6%
FY2022: 0.8%
|
Capital markets fees and income, FY2025
$19M Sources
|
|
|
Wealth management fees
|
10%
FY2022: 10%
|
Wealth management fees, FY2025
$54M Sources
|
|
|
Other customer-related fees
|
11%
FY2022: 12%
|
Other customer-related fees, FY2025
$58M Sources
|
Who Are Their Customers?
Businesses and public entities use commercial banking, lending and capital-markets services; consumers use retail and wealth-management services through local branches and online, mobile and digital channels.
10-K for FY2025, filed Feb 24, 2026Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt…View ↗
We support a broad range of commercial customers, primarily small- and medium-sized businesses. Our suite of products and services includes:View ↗
Commercial, industrial, and owner-occupied lending and leasing, including SBA 7(a) and 504 lending programs Municipal and public finance…View ↗
We offer customized financing solutions to help customers raise capital efficiently, execute strategic transactions, and manage exposure to…View ↗
Retail BankingView ↗
Our wealth management solutions are designed to provide planning-driven strategies, personalized advisory services, and sophisticated asset…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 144 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 15% in 4 years, from $575M in FY2021 to $662M in FY2025, about 4% a year.
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