# ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Summary updated: 2026-10-02T15:47:29.675518Z
Canonical: https://finbar.com/research/companies/zions-bancorporation-national-association-ut

## Overview

Zions Bancorporation, National Association is a commercial bank within the Zions Bancorporation group, which provides banking and related financial services through separately managed affiliate banks, including Zions Bank, Amegy Bank, and California Bank & Trust [1](https://app.finbar.com/go?id=P73772373). The group focuses on customers across 11 Western states and operates as a regional banking business rather than a global bank [2](https://app.finbar.com/go?id=P24255950). Its offerings include commercial banking and services such as public finance advisory and SBA lending [3](https://www.zionsbank.com/business/commercial-banking/).

The company describes its purpose as helping build strong, successful communities, creating economic opportunity, and helping clients achieve greater financial strength [4](https://zionsbancorporation.com/investors/investor-overview/default.aspx). For fiscal 2025, the group reported $3.4 billion in annual net revenue, approximately $89 billion in year-end assets, and 9,195 full-time-equivalent employees; it served more than 1 million customers through 407 branches [2](https://app.finbar.com/go?id=P24255950).
[1](https://app.finbar.com/go?id=P73772373)[2](https://app.finbar.com/go?id=P24255950)[3](https://www.zionsbank.com/business/commercial-banking/)[4](https://zionsbancorporation.com/investors/investor-overview/default.aspx)

## Products & services

Zions Bank offers personal checking accounts—including Anytime, Gold, OnBudget, and Military Advantage—with features such as debit cards, online and mobile banking, bill pay, and Zelle. Personal deposit products also include savings accounts, youth savings, money-market accounts, and certificates of deposit. Its lending products include fixed- and adjustable-rate mortgages, FHA and VA loans, jumbo and construction loans, refinancing, and home-equity loans. Zip Mortgage provides an online application, document submission, and application tracking; the bank also lists a 3% down-payment option for qualified borrowers through its Affordable Home Mortgage program. [5](https://www.zionsbank.com/personal/personal-checking/) [6](https://www.zionsbank.com/personal/personal-savings/) [7](https://www.zionsbank.com/personal/home-loans/) [8](https://www.zionsbank.com/personal/landing/zip-mortgage/) [9](https://www.zionsbank.com/personal/home-loans/affordable-home-mortgage/)

Business and commercial offerings include checking and savings, lines of credit for working capital, term loans, equipment loans and leases, and commercial real-estate financing. Application Plus lists secured non-real-estate loans up to $2 million and unsecured loans up to $250,000. Specialized financing includes SBA 7(a) and 504 loans, agricultural operating and equipment finance, loans for healthcare and other professional practices, and municipal finance. [3](https://www.zionsbank.com/business/commercial-banking/) [10](https://www.zionsbank.com/business/business-financing/business-lines-of-credit/) [11](https://www.zionsbank.com/business/business-financing/business-term-loans/) [12](https://www.zionsbank.com/business/business-financing/equipment-financing/) [13](https://www.zionsbank.com/business/business-financing/business-application-plus-term-loan/) [14](https://www.zionsbank.com/business/business-financing/sba-loans/) [15](https://www.zionsbank.com/business/small-business-banking/ag-finance/) [16](https://www.zionsbank.com/business/business-financing/practice-financing/) [17](https://www.zionsbank.com/business/specialty-banking/municipal-banking/)

Treasury services include receivables, payables, reporting, and risk management. Treasury Internet Banking supports account reporting, domestic ACH and wire origination, customizable dashboards, and data import and export. Receivables and fraud-control products include lockbox services, ACH payments, and Positive Pay for checks and ACH, with exception management and reporting. Card offerings include personal Visa cards and business cards such as AmaZing Rewards; business digital banking supports bill pay, wires, mobile check deposit, and account management. Wealth services include investment management, financial planning, trust and estate services, private banking, and Guided Wealth Portfolios, an online investing service with advisor access. [18](https://www.zionsbank.com/business/treasury/treasury-internet-banking/) [19](https://www.zionsbank.com/business/treasury/receivables/lockbox/) [20](https://www.zionsbank.com/business/treasury/treasury-management-select/ach-payments/) [21](https://www.zionsbank.com/business/treasury/risk-management/positive-pay/) [22](https://www.zionsbank.com/business/business-credit-cards/amazing-rewards-card/) [23](https://www.zionsbank.com/business/digital-banking/) [24](https://www.zionsbank.com/wealth/wealth-management/investments/) [25](https://www.zionsbank.com/wealth/wealth-management/trusts/) [26](https://www.zionsbank.com/personal/digital-banking/digital-investing/)

In 2025, average loans and leases were $60.4 billion: commercial loans were $31.4 billion (about 51.9%), commercial real estate loans $13.6 billion (22.4%), and consumer loans $15.5 billion (25.6%). These are calculated shares of average loans and leases. The company’s annual filing does not allocate these balances to individual named products. [27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)
[5](https://www.zionsbank.com/personal/personal-checking/)[6](https://www.zionsbank.com/personal/personal-savings/)[7](https://www.zionsbank.com/personal/home-loans/)[8](https://www.zionsbank.com/personal/landing/zip-mortgage/)[9](https://www.zionsbank.com/personal/home-loans/affordable-home-mortgage/)[3](https://www.zionsbank.com/business/commercial-banking/)[10](https://www.zionsbank.com/business/business-financing/business-lines-of-credit/)[11](https://www.zionsbank.com/business/business-financing/business-term-loans/)[12](https://www.zionsbank.com/business/business-financing/equipment-financing/)[13](https://www.zionsbank.com/business/business-financing/business-application-plus-term-loan/)[14](https://www.zionsbank.com/business/business-financing/sba-loans/)[15](https://www.zionsbank.com/business/small-business-banking/ag-finance/)[16](https://www.zionsbank.com/business/business-financing/practice-financing/)[17](https://www.zionsbank.com/business/specialty-banking/municipal-banking/)[18](https://www.zionsbank.com/business/treasury/treasury-internet-banking/)[19](https://www.zionsbank.com/business/treasury/receivables/lockbox/)[20](https://www.zionsbank.com/business/treasury/treasury-management-select/ach-payments/)[21](https://www.zionsbank.com/business/treasury/risk-management/positive-pay/)[22](https://www.zionsbank.com/business/business-credit-cards/amazing-rewards-card/)[23](https://www.zionsbank.com/business/digital-banking/)[24](https://www.zionsbank.com/wealth/wealth-management/investments/)[25](https://www.zionsbank.com/wealth/wealth-management/trusts/)[26](https://www.zionsbank.com/personal/digital-banking/digital-investing/)[27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)[5](https://www.zionsbank.com/personal/personal-checking/)[6](https://www.zionsbank.com/personal/personal-savings/)[7](https://www.zionsbank.com/personal/home-loans/)[8](https://www.zionsbank.com/personal/landing/zip-mortgage/)[9](https://www.zionsbank.com/personal/home-loans/affordable-home-mortgage/)[3](https://www.zionsbank.com/business/commercial-banking/)[10](https://www.zionsbank.com/business/business-financing/business-lines-of-credit/)[11](https://www.zionsbank.com/business/business-financing/business-term-loans/)[12](https://www.zionsbank.com/business/business-financing/equipment-financing/)[13](https://www.zionsbank.com/business/business-financing/business-application-plus-term-loan/)[14](https://www.zionsbank.com/business/business-financing/sba-loans/)[15](https://www.zionsbank.com/business/small-business-banking/ag-finance/)[16](https://www.zionsbank.com/business/business-financing/practice-financing/)[17](https://www.zionsbank.com/business/specialty-banking/municipal-banking/)[18](https://www.zionsbank.com/business/treasury/treasury-internet-banking/)[19](https://www.zionsbank.com/business/treasury/receivables/lockbox/)[20](https://www.zionsbank.com/business/treasury/treasury-management-select/ach-payments/)[21](https://www.zionsbank.com/business/treasury/risk-management/positive-pay/)[22](https://www.zionsbank.com/business/business-credit-cards/amazing-rewards-card/)[23](https://www.zionsbank.com/business/digital-banking/)[24](https://www.zionsbank.com/wealth/wealth-management/investments/)[25](https://www.zionsbank.com/wealth/wealth-management/trusts/)[26](https://www.zionsbank.com/personal/digital-banking/digital-investing/)[27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)

## Geographic presence

Zions Bancorporation, National Association operates primarily across 11 western U.S. states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. At December 31, 2025, its 407 branches were located in Utah (92), California (77), Texas (76), Arizona (56), Nevada (43), Colorado (33), Idaho (25), Washington (2), Wyoming (1), New Mexico (1), and Oregon (1). All of the Bank’s assets and revenues in 2025 were located in or derived from U.S. operations; the report does not provide a state-by-state breakdown of total assets or revenue. [2](https://app.finbar.com/go?id=P24255950)[28](https://app.finbar.com/go?id=T9938607)[27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)

At year-end 2025, the Bank’s $1.675 billion office commercial real estate loan portfolio was concentrated in Utah/Idaho ($488 million; 29.1%), Washington/Oregon ($328 million; 19.6%), California ($309 million; 18.5%), Arizona ($225 million; 13.4%), Texas ($170 million; 10.2%), Nevada ($87 million; 5.2%), Colorado ($59 million; 3.5%), and other locations ($9 million; 0.5%). These figures describe office-property loan exposure, rather than the geographic allocation of the Bank’s overall assets or revenues. [28](https://app.finbar.com/go?id=T9938607)[27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)
[2](https://app.finbar.com/go?id=P24255950)[28](https://app.finbar.com/go?id=T9938607)[27](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)

## Business segments

As of October 2, 2026, Zions Bancorporation’s latest available reporting identifies seven geographically organized affiliate banks as its primary operating segments. Their reported focus areas are Zions Bank (Utah, Idaho and Wyoming), California Bank & Trust (California), Amegy Bank (Texas), National Bank of Arizona (Arizona), Nevada State Bank (Nevada), Vectra Bank Colorado (Colorado and New Mexico), and The Commerce Bank Northwest (Washington and Oregon). The affiliates provide a broad range of banking products and services; the filing does not assign them distinct product specialties. [29](https://app.finbar.com/go?id=P149951895)[30](https://app.finbar.com/go?id=P149951897)

For the six months ended June 30, 2026, approximate shares of consolidated net interest income were: Zions Bank 27.6%, California Bank & Trust 24.5%, Amegy Bank 21.8%, National Bank of Arizona 10.0%, Nevada State Bank 8.1%, Vectra Bank Colorado 5.1%, and The Commerce Bank Northwest 3.1%. These percentages use segment net interest income divided by consolidated net interest income of $1,339 million; they indicate contribution to net interest income, not gross revenue. The filing also reports a negative $2 million for “Other,” outside the affiliate-bank market segments. [31](https://app.finbar.com/go?id=T17154171)
[29](https://app.finbar.com/go?id=P149951895)[30](https://app.finbar.com/go?id=P149951897)[31](https://app.finbar.com/go?id=T17154171)

## Company history

Zion’s Savings Bank and Trust Company was organized in Salt Lake City in 1873 after Brigham Young convened local citizens to establish a savings bank; it opened for business on October 1, with George A. Smith as its first president. [32](https://www.zionsbank.com/personal/about-us/our-history/)

The modern holding-company lineage developed later: Roy W. Simmons and partners formed Keystone Insurance and Investment Co. in 1955, and Keystone acquired a controlling interest in Zions First National Bank in 1960. Simmons became chief executive in 1964 and led the company until 1990. [33](https://zionsbancorporation.com/news-events/press-releases/news-details/2006/Founder-and-Former-Chairman-of-Zions-Bancorporation-Roy-W.-Simmons-Dies-at-Age-90/default.aspx) Under Harris H. Simmons, who became president and CEO in 1990 and chairman in 2002, Zions expanded beyond Utah, acquiring Nevada State Bank in 1985 and National Bancorp of Arizona in 1993–94; it adopted the Zions Bancorporation name in 1987. [34](https://zionsbancorporation.com/about-us/leadership/default.aspx)[35](https://www.nsbank.com/personal/about-us/our-story/our-history/)[36](https://www.deseret.com/1994/1/17/19087447/zions-bancorp-acquires-firm-in-arizona/)[32](https://www.zionsbank.com/personal/about-us/our-history/)

During the late 1990s and early 2000s, acquisitions extended Zions’ presence into Idaho, Colorado and California, including Tri-State Bank, Vectra Banking Corp., Sumitomo Bank of California and Eldorado Bancshares. [37](https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/1997/cd97-73.pdf)[38](https://www.deseret.com/1998/1/9/19356944/zions-completes-vectra-acquisition/)[39](https://www.sec.gov/Archives/edgar/data/109380/000010938001000050/0000109380-01-000050-0001.txt)[40](https://zionsbancorporation.com/news-events/press-releases/news-details/2001/ZIONS-BANCORPORATION-COMPLETES-MERGER-WITH-ELDORADO-BANCSHARES-INC/default.aspx) It acquired Texas-based Amegy Bancorporation in 2005. [41](https://zionsbancorporation.com/news-events/press-releases/news-details/2005/Zions-Bancorporation-Completes-Acquisition-of-Amegy/default.aspx) In 2018, the publicly traded holding company merged into its bank, which became Zions Bancorporation, National Association. [42](https://zionsbancorporation.com/news-events/press-releases/news-details/2018/Zions-Bancorporation-N.A.-Announces-Successful-Completion-Of-The-Merger-Of-Its-Holding-Company-With-And-Into-Its-Bank/default.aspx)
[32](https://www.zionsbank.com/personal/about-us/our-history/)[33](https://zionsbancorporation.com/news-events/press-releases/news-details/2006/Founder-and-Former-Chairman-of-Zions-Bancorporation-Roy-W.-Simmons-Dies-at-Age-90/default.aspx)[34](https://zionsbancorporation.com/about-us/leadership/default.aspx)[35](https://www.nsbank.com/personal/about-us/our-story/our-history/)[36](https://www.deseret.com/1994/1/17/19087447/zions-bancorp-acquires-firm-in-arizona/)[37](https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/1997/cd97-73.pdf)[38](https://www.deseret.com/1998/1/9/19356944/zions-completes-vectra-acquisition/)[39](https://www.sec.gov/Archives/edgar/data/109380/000010938001000050/0000109380-01-000050-0001.txt)[40](https://zionsbancorporation.com/news-events/press-releases/news-details/2001/ZIONS-BANCORPORATION-COMPLETES-MERGER-WITH-ELDORADO-BANCSHARES-INC/default.aspx)[41](https://zionsbancorporation.com/news-events/press-releases/news-details/2005/Zions-Bancorporation-Completes-Acquisition-of-Amegy/default.aspx)[42](https://zionsbancorporation.com/news-events/press-releases/news-details/2018/Zions-Bancorporation-N.A.-Announces-Successful-Completion-Of-The-Merger-Of-Its-Holding-Company-With-And-Into-Its-Bank/default.aspx)[32](https://www.zionsbank.com/personal/about-us/our-history/)[33](https://zionsbancorporation.com/news-events/press-releases/news-details/2006/Founder-and-Former-Chairman-of-Zions-Bancorporation-Roy-W.-Simmons-Dies-at-Age-90/default.aspx)[34](https://zionsbancorporation.com/about-us/leadership/default.aspx)[35](https://www.nsbank.com/personal/about-us/our-story/our-history/)[36](https://www.deseret.com/1994/1/17/19087447/zions-bancorp-acquires-firm-in-arizona/)[37](https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/1997/cd97-73.pdf)[38](https://www.deseret.com/1998/1/9/19356944/zions-completes-vectra-acquisition/)[39](https://www.sec.gov/Archives/edgar/data/109380/000010938001000050/0000109380-01-000050-0001.txt)[40](https://zionsbancorporation.com/news-events/press-releases/news-details/2001/ZIONS-BANCORPORATION-COMPLETES-MERGER-WITH-ELDORADO-BANCSHARES-INC/default.aspx)[41](https://zionsbancorporation.com/news-events/press-releases/news-details/2005/Zions-Bancorporation-Completes-Acquisition-of-Amegy/default.aspx)[42](https://zionsbancorporation.com/news-events/press-releases/news-details/2018/Zions-Bancorporation-N.A.-Announces-Successful-Completion-Of-The-Merger-Of-Its-Holding-Company-With-And-Into-Its-Bank/default.aspx)

## Sources

1. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2025 Y)](https://app.finbar.com/go?id=P73772373)
2. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2025 Y)](https://app.finbar.com/go?id=P24255950)
3. [www.zionsbank.com](https://www.zionsbank.com/business/commercial-banking/)
4. [zionsbancorporation.com](https://zionsbancorporation.com/investors/investor-overview/default.aspx)
5. [www.zionsbank.com](https://www.zionsbank.com/personal/personal-checking/)
6. [www.zionsbank.com](https://www.zionsbank.com/personal/personal-savings/)
7. [www.zionsbank.com](https://www.zionsbank.com/personal/home-loans/)
8. [www.zionsbank.com](https://www.zionsbank.com/personal/landing/zip-mortgage/)
9. [www.zionsbank.com](https://www.zionsbank.com/personal/home-loans/affordable-home-mortgage/)
10. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/business-lines-of-credit/)
11. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/business-term-loans/)
12. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/equipment-financing/)
13. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/business-application-plus-term-loan/)
14. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/sba-loans/)
15. [www.zionsbank.com](https://www.zionsbank.com/business/small-business-banking/ag-finance/)
16. [www.zionsbank.com](https://www.zionsbank.com/business/business-financing/practice-financing/)
17. [www.zionsbank.com](https://www.zionsbank.com/business/specialty-banking/municipal-banking/)
18. [www.zionsbank.com](https://www.zionsbank.com/business/treasury/treasury-internet-banking/)
19. [www.zionsbank.com](https://www.zionsbank.com/business/treasury/receivables/lockbox/)
20. [www.zionsbank.com](https://www.zionsbank.com/business/treasury/treasury-management-select/ach-payments/)
21. [www.zionsbank.com](https://www.zionsbank.com/business/treasury/risk-management/positive-pay/)
22. [www.zionsbank.com](https://www.zionsbank.com/business/business-credit-cards/amazing-rewards-card/)
23. [www.zionsbank.com](https://www.zionsbank.com/business/digital-banking/)
24. [www.zionsbank.com](https://www.zionsbank.com/wealth/wealth-management/investments/)
25. [www.zionsbank.com](https://www.zionsbank.com/wealth/wealth-management/trusts/)
26. [www.zionsbank.com](https://www.zionsbank.com/personal/digital-banking/digital-investing/)
27. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)
28. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2025 Y)](https://app.finbar.com/go?id=T9938607)
29. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149951895)
30. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149951897)
31. [ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17154171)
32. [www.zionsbank.com](https://www.zionsbank.com/personal/about-us/our-history/)
33. [zionsbancorporation.com](https://zionsbancorporation.com/news-events/press-releases/news-details/2006/Founder-and-Former-Chairman-of-Zions-Bancorporation-Roy-W.-Simmons-Dies-at-Age-90/default.aspx)
34. [zionsbancorporation.com](https://zionsbancorporation.com/about-us/leadership/default.aspx)
35. [www.nsbank.com](https://www.nsbank.com/personal/about-us/our-story/our-history/)
36. [www.deseret.com](https://www.deseret.com/1994/1/17/19087447/zions-bancorp-acquires-firm-in-arizona/)
37. [www.occ.gov](https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/1997/cd97-73.pdf)
38. [www.deseret.com](https://www.deseret.com/1998/1/9/19356944/zions-completes-vectra-acquisition/)
39. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/109380/000010938001000050/0000109380-01-000050-0001.txt)
40. [zionsbancorporation.com](https://zionsbancorporation.com/news-events/press-releases/news-details/2001/ZIONS-BANCORPORATION-COMPLETES-MERGER-WITH-ELDORADO-BANCSHARES-INC/default.aspx)
41. [zionsbancorporation.com](https://zionsbancorporation.com/news-events/press-releases/news-details/2005/Zions-Bancorporation-Completes-Acquisition-of-Amegy/default.aspx)
42. [zionsbancorporation.com](https://zionsbancorporation.com/news-events/press-releases/news-details/2018/Zions-Bancorporation-N.A.-Announces-Successful-Completion-Of-The-Merger-Of-Its-Holding-Company-With-And-Into-Its-Bank/default.aspx)

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